A car accident can be stressful enough, but if you file an insurance claim and it gets denied, it can be difficult to know what’s next. If your insurance company recently denied your claim, you may be searching for another way to get compensation.
Insurers may deny claims for many reasons, and you may need help understanding why. Continue reading to learn more about insurance claim denials and how your Houston law firm can assist you.
Why Claims Get Denied
Insurance companies deny insurance claims regularly. Denials happen when an insurance company believes that all or part of your claim is invalid. There can be different circumstances in which your insurance will deny your claim, but some common reasons include:
- The claimant or vehicle was not listed on the insurance policy
- The claim is worth more than the policy limits
- The claimant doesn’t have the correct coverage
- There are discrepancies in the claim application
- The claimant did not report the accident to the police and insurer within the given time frame
- The injuries that were claimed from the accident were preexisting
- Vehicle damage claimed from the accident was unrelated
- The claimant was doing an illegal activity during the time of the accident
While a denial can seem like the end to your claim, there are steps you can take to appeal. However, these next steps may vary based on your claim denial and the type of claim you submitted.
How to Appeal Claim Denials
If you’ve received a notice stating that your insurance denied your claim, you may be wondering how to appeal that claim. Keep in mind that the process may vary, but the general steps may go as follows:
1. Figure Out Why Your Insurer Denied Your Claim
Before you can move on with your appeal, you need to figure out why your insurer denied your claim. Most insurance companies will provide a letter stating their reasons for denying your claim. Once you have the reasoning behind the denial, you can take the proper next steps toward your appeal.
2. Gather Additional Evidence If Needed
Your insurance company may have denied your claim based on a lack of information or evidence. You may need to provide additional information such as a police report, medical bills, accident pictures, or repair estimates. Getting this information to your insurance company could make all the difference in supporting your car accident claim.
3. File an Appeal
There are two ways to file an appeal: an internal appeal or an external review. Your insurance company will complete an internal appeal by doing a full review of your claim. You can also ask a third party to review your claim; this is an external review. If you decide on an external review, the insurance company no longer has a say in your claim.
4. Consult an Attorney
If you’ve done everything you can, but your claim still gets denied, it may be time to consult an attorney. An experienced auto insurance attorney knows what common tactics insurance companies use and can help prepare all the proper documentation for your claim case.
Fight Your Insurance Claim Denial With Help From Your Houston Insurance Attorneys at Lapeze & Johns
Paying for insurance coverage is not cheap, but we pay it in hopes that we’ll get the help we need after filing a claim. If your insurance claim gets denied, know that’s not necessarily the end of the process.
At Lapeze & Johns, we know just how detrimental an insurance claim denial can be for you. Our caring auto insurance claim attorneys will help you fight for the compensation you deserve.