When you get into a motor vehicle accident, you are supposed to submit a claim to your insurer as soon as possible. This helps you begin the legal process that will potentially lead to you getting compensation for any harm you have incurred, including damage to your vehicle and any injuries you may have suffered due to the accident. But what should you do if your car insurance claim is denied after an accident?
Why Do Car Insurance Claims Get Denied?
When you make a claim for an accident to your insurer, that insurer then evaluates your claim to determine whether or not their policy covers it. If they determine that your accident is not covered by their policy, they will not pay out for the claim. This assessment is made entirely internally, and they may choose to deny your claim for any number of potential reasons.
What Happens if a Car Insurance Claim is Denied?
If your insurance claim is denied, you will not be able to collect any money from your insurance policy for any injuries or damage you suffered. Any medical costs resulting from your accident will need to be paid out of pocket, as will the costs of repairing or replacing your damaged vehicle. If you want to recoup any of those costs, you will need to personally sue the other person involved in the lawsuit.
For What Reasons Can a Car Insurance Claim Be Denied?
There are a variety of reasons a car insurance claim can be denied. These include, but are not limited to:
- Your insurance policy has lapsed due to nonpayment or failure to renew
- The type of accident you were involved with fits into a policy exclusion
- Your maximum liability coverage does not cover the full costs of the accident
- You already met your maximum liability coverage due to a previous accident
- You were involved with an uninsured driver
- You were allegedly driving while under the influence (DUI) at the time of the accident
- You failed to immediately report the accident to the police or your insurer
- You failed to obtain medical attention immediately after the accident
- Your insurance claim contained false or inaccurate information
- Your insurer is not licensed in your state
- Your insurance policy is faulty or fraudulent
What Can You Do if Your Claim is Denied?
If your car insurance claim is denied, you are not entirely out of options. You should contact a lawyer with experience handling personal injury cases, who can help you argue on your behalf and seek potential avenues of recourse. The sooner you call, the sooner your attorney can help you to get the compensation you deserve.
If you or a loved one have been injured due to someone else’s negligence, you should seek out the personal injury lawyers at Zlotolow & Associates. Our seasoned New York personal injury attorneys bring more than two decades of trial experience to your case. We serve all five boroughs of New York City, as well as Nassau and Suffolk County. Our aggressive personal injury attorneys always demand maximum compensation. We have helped thousands of clients recover through settlements and courtroom verdicts.