If you have filed a claim after the car accident, the chances of claim denial always exist. Such a situation occurs when an insurer believes that the lawsuit filed is not genuine or valid. In such cases, it becomes difficult to get your claim; thus, people consider hiring a personal injury lawyer in New Hampshire for a smooth procedure.
Claim denial is a stressful task as it can cause a loss of several thousand dollars. Therefore, you should take the necessary steps to get a fair settlement. If you’re experiencing a similar situation, this article highlights steps you should take if your car insurance company denies your claim.
So, without any further ado, let’s dive in!
What’s a Claim Denial Letter?
A claim denial letter is a formal letter sent by a third-party administrator or an insurance company to an individual who applied for a compensation claim.
The primary aim of this letter is to inform the person that their request for reimbursement or coverage has been denied due to several reasons, like lack of coverage, policy exclusions, incomplete or incorrect information, failure to meet conditions, and other pre-existing conditions.
Once the claim denial letter reaches the claimant, they must review it thoroughly, understand the reason behind the denial, and take the necessary actions.
5 Reasons Why Did My Car Insurance Company Deny My Claim?
1. Lack of Genuineness
When you file a claim, the insurance company closely examines the genuineness of the claim. If they find it to be non-genuine, it can be dismissed.
2. Inaccurate Details
The claim gets denied if the claim seeker has yet to provide complete details or give inaccurate information.
3. Violating Traffic Rules
A car insurance company provides a claim only for unfortunate accidents. The suit gets dismissed if you violate traffic rules like overspeeding or driving without a license.
4. Deadline Missed
Generally, the deadline to file a car insurance claim is only 48 to 72 hours after the accident. If this deadline is missed, the suit gets canceled. If the deadline is passed for a valid reason, write an email or a letter to the company.
5. Lack of Coverage
If your policy does not cover the particular kind of damage or loss they are claiming, it results in claim denial.
Steps To Take If Your Car Insurance Company Denies Your Claim
Step 1. Gather all necessary evidence, such as images and videos of the accident scene, injuries, medical reports, and other supporting evidence. Make copies of all this and give it to the insurance company.
Step 2. Drafting an appeal letter is crucial as it details why you disagree with the decision made by the insurance company. Explain every detail, like police reports, medical expenses, and more.
Step 3. Hire a Personal Injury Lawyer: If you want to avoid going through the hectic process of getting a claim, consider hiring a personal injury lawyer. They will review the case, collect all required evidence, and fight for a fair settlement.
Wrapping Up!
Car insurance companies aim to settle the case by paying a minimum. Hire a personal injury attorney who will guide you to maximum compensation.
