Fighting back against a claim denial

Imagine driving to the supermarket. As you approach the parking lot, you turn on your blinker and prepare to make a right turn into the lot. At the moment that you enter the parking lot, the car that was traveling behind you suddenly collides with the passenger side of your car.

You call the police, a report is written and you and the other driver exchange information. You had not violated any traffic laws and even the police officer agreed that the other driver was at fault. You did not think for an instant that his insurance company would deny your claim and refuse to pay for the damages to your car and your injuries.

If you or a loved one has been the victim of a car accident, it is important to remember that you have legal rights. Even if the insurance company denies your claim, you still might be able to take legal action. A personal injury lawyer in the South Daytona area can help you fight for your rights. Read below for more information on fighting back against an insurance company that will not pay.

Reason for a denial

The first part of fighting against an insurance claim denial is understanding why the insurance company denied the claim in the first place. One reason for a denial is if the insurance company thinks that their client is not at fault. Another reason is if the insurer thinks that a denial will just make you go away because you will not fight back for the compensation you deserve. Other reasons for a denial include not filing your claim in time or if the other driver's policy has expired.

What to do after a denial

If the insurance company has denied your claim, the first thing you should do is hire an attorney. If the insurer believes that you are willing to take legal action, it will take the situation more seriously than if you simply keep calling on your own.

Your lawyer will write a letter demanding that the insurance company pay you for the damages to your car, you medical bills, and any money you lost because you had to miss work. This might be enough for the insurance company to change its mind and pay you for the accident. However, it might only offer to pay a part of the amount of money the letter demanded.

Many insurance companies have formal processes that you have to follow in order to fight against a denial. If this is the case, your lawyer will have to follow the insurance company's appeals process.

Filing a lawsuit

If the insurance company still denies your claim after your lawyer has sent a letter or followed their appeals process, you might be able to file a lawsuit. Your attorney will help you decide if this is the right choice.

If an insurance company has denied your claim for damages after a car accident, you might need a lawyer to help you fight against the denial.

Source: Nov. 30, -0001

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