Being involved in a car accident
is a harrowing experience, and filing a claim can be frustrating if it's denied. Understanding why your claim was denied and what your next step should be is critical in getting the compensation you need for vehicle damage and medical bills after an accident. Following are four reasons why your accident claim may be denied.
1. Your Medical Records Indicate There Was No Injury
Immediately after an accident, you should get medical care. These medical records will be examined by your insurance company, and if they do not indicate that injuries that require compensation were sustained, your claim may be denied.
2. You Did Not Receive Treatment at the Time of the Accident
An insurance company can quickly deny a car accident claim if you did not receive medical treatment soon after the accident. Even if you feel okay, you should visit the emergency room or your physician to be sure. Often, symptoms take time to manifest. The longer you wait to get medical treatment, the more likely it will be that the car insurance company will deny your claim.
3. The Insurance Company Believes Your Symptoms to Be the Result of a Pre-Existing Condition
Often, insurance companies will use pre-existing conditions as a way to deny a car accident claim. For example, if you injured your shoulder several years prior to your car accident, and the accident also injured your shoulder, the insurance company may attempt to say that the pain you are experiencing is due to the pre-existing injury and not the car accident.
4. You Could Have Avoided the Accident
If you are at fault for the car accident
, all or in part, you may have your claim denied. Additionally, you may have your claim denied if you were breaking the law in some way at the time of the accident, even if the accident was not caused by you. For example, if you were drinking and driving and someone else caused the accident, your insurer may deny your claim even though you were technically not at fault for the collision.
When to Contact a Car Insurance Claim Attorney
Any time you have a car insurance claim that is denied, it is critical to speak with an experienced claims attorney as soon as possible. You may have legal options available to you if you act quickly. Contact the Law Offices of John D. Ameen, P.A. today to learn about your rights after a denial by calling (800) 555-4011.