MarketWatch is a leading financial news website. They recently published a very informative article about the 11 things car insurance companies don’t want you to know. Americans spend a lot on auto insurance. Some states even make coverage mandatory. According to The Zebra, we pay an average of $1,502.00 dollars per year just to cover our cars. Now, most people opt for car insurance because they want to protect themselves. Whether it’s an accident caused by someone else, or by yourself, most people believe insurance is designed to keep you safe and financially covered when an accident happens.
Unfortunately, this is not the case. The truth about how insurance actually works is vial and deceiving. Every year thousands of accident victims receive denial notices. That’s right, the same companies who bombard us with ads that we are “in good hands” turn their backs on us when we need them most. Now, there are multiple reasons why an insurance firm would deny a claim. Sometimes they have the right to do so. However, too often they deny legitimate claims. In this article, we are going to discuss how to handle a denied auto accident claim. We will also touch on topics related to car crash injuries and options you may want to explore after an accident.
Hire a Car Crash Attorney to File Your Injury Claim
Before we dive into ways to handle a denied auto accident injury claim, we wanted to take a minute to catch you before you file one. If you were recently injured in an auto accident, you may want to talk with an attorney prior to calling your insurance company. A Mcallen personal injury lawyer may be able to help analyze your case prior to submitting a claim. By gathering documentation an injury attorney might be able to better your chances of getting paid, rather than having your claim denied. While we will talk about options you can explore if your claim is rejected, it might be advantageous to hire an attorney first.
With that said, if you have already filed your injury claim, and you’ve been denied, here are some steps you can take. Remember, if at any time you wish to speak to a personal injury lawyer in McAllen call us at (956) 777-7777. We offer a free car crash injury consultation. Here are some things you may want to consider if your injury claim has been denied.
Why was your claim rejected?
Ask yourself why you believe your claim was denied. Did you not submit all of the paperwork? Did you tell a different story to one insurance rep than another? Sometimes claims get denied because people neglected to seek medical attention right after the crash. If you were truly hurt, and the insurance company denied your claim, try to rationalize what may have caused them to rejected your request. When you contact an attorney, and we believe you should be honest with them. Tell your potential attorney everything you know, and everything you’ve done, surrounding your case. The more info you provide an injury lawyer, the better than can navigate your case.
Did you not have proper coverage?
Just because you have insurance, doesn’t mean you have enough coverage. Likewise, even if the person who causes the accident carries insurance, it doesn’t mean the policy has the financial capability of settling all of your expenses. If you’ve been seriously injured in a crash, and you’re facing hospital expenses and long term medical costs, a lot of insurance policies won’t be big enough to cover the financial damage. Your claim may have been rejected because there is no money left to pay any more bills.
Lack of medical documentation
We tend to repeat this a lot, but it is super important. If you get injured in an auto accident you should seek medical attention. First, only a licensed medical professional can properly access your injuries. Second, by going to the doctor right after a crash you and document the accident to what every injury you are suffering from. Failure to do so means an insurance company can try to wiggle out of a claim. If a lot of time goes by between the crash and the time you see a doctor, the insurance company may use this against you.
La Fuerza para Ganar
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