When and why can a car accident claim be denied?

When filing an insurance claim most individuals are hopeful that the compensation received would be adequate to handle medical expenses comfortably. However, there are times when a car accident claim is denied by the insurer.

For the most part, your hopes are squashed when you receive a rejection letter from your insurance provider. However, there are many reasons why insurance claims are rejected, which is why it is important to understand the grounds for rejection and why you need a Greenville, MS accident lawyer working with you on this.

Not sure who to find a lawyer? Not sure where to turn too? Not sure if any of this is your fault even though some insurance agent has been calling you talking to you about how some of this carnage could be your fault. Now you have to dig into your insurance records to find out how all this works and what you are covered for. Everything you had planned has now been put on the backburner. You need to call Richard Schwartz & Associates, P.A. because they know this legal arena.

Why are claims denied?

Insurance is denied in cases of avoidable accidents: If your insurance provider finds out that you could have prevented the crash and the accident can be attributed to something that you did, the claim will be denied. So what construes an avoidable accident? If you were driving under the influence of alcohol or drugs the policy will become redundant. Additionally, if you have allowed unlicensed driver to drive your vehicles then the insurance provider has the right to deny a claim.

Claims are denied if no record of injury is found: Injuries from a car accident must be treated as soon as the accident has happened. If you do not seek treatment fast, an insurer will deny you the money claiming that the injuries cannot be connected to the car accident.

Therefore, if want to claim insurance you must go to the hospital as soon as possible following the accident and provide the record of your treatment to the insurance provider. Remember, if you delay seeking medical help, the insurance company will try to prove that the injuries were falsified to get a claim. It is important to consult with a Mississippi accident attorney such as Richard Schwartz & Associates, P.A. (https://www.1call.ms/greenville/) if you face such a situation in order to file a lawsuit. 

Insurance companies deny payment if medical records do not show injury or pain: A claim may be denied simply because your medical records do not indicate any injury from the accident even when the accident genuinely happened.

You might not get the claim if you have a pre-existing condition: For instance, if you have a heart condition and suffered from an attack after an accident due to shock and trauma, insurance companies may argue that the accident had nothing to do with your ailment. The insurer will most likely argue that your heart attack was due to an underlying condition but your Greenville, MS accident lawyer will fight them on this front in a hallway or in front of the mediator and if it comes down to it, in front of a judge.

What are “Bad Faith” denials?

The term ‘bad faith’ means that the insurance company has no wish to fulfill its legal obligations and therefore has denied your claim. In such a situation it is important to contact the insurer to find out the cause and then if you think the denial is unjustified you ought to speak with a Mississippi accident lawyer as soon as possible.

Denial must be dealt with promptly. Your best bet is to seek help from a lawyer who specializes in insurance claims. Some accident lawyers work on a contingency fee basis where you don’t have to pay any legal fee upfront. The law firm, such as Richard Schwartz & Associates, P.A. who can be reached right here: https://www.1call.ms/greenville/, will take a percentage if they are able to recover the money and successfully fight your case. It is important to note here that most firms will first evaluate your case to ascertain its merit.

Lawyers will agree to represent you only if they are convinced that your actions are in no way responsible for the rejection and if they are, if you are partly to blame, you must understand that you are not going to receive everything you perhaps are hoping for.