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.

Sometimes you just know you need help and this is when a Gulfport, MS accident lawyer needs to be notified and hired. 

For the most part, your hopes are squashed when you receive a rejection letter from your insurance provider. However, according to Gulfport, MS accident lawyers, there are many reasons why accident insurance claims are rejected, which is why it is vital to understand the grounds for rejection.

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 an 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 by 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.

You have probably seen the show Breaking Bad. In one episode, Mike Ehrmantraut beat down Walter White in a bar. White was pummeled in these scene. He had the scars to prove it. He did not go to the hospital since he would have to probably spend time that he did not want to spend and perhaps have records taken and perhaps even have some questions come his way that he did not want to deal with. You are not Walter White.

You do not have an emotional problem and you need those records. If someone hits you, you need to get to the hospital and have someone check on you and make sure you are alight and if you are not, you will need to record what type of medicine you will need and begin your physical therapy or chiropractic lessons. As already stated but this is critical so we will emphasize it again, these records will have to be shown to the insurance provider and will help you receive the compensation you deserve.

Remember, if you delay seeking medical help, the insurance company will try to prove that the injuries were falsified to obtain a claim. It is important to consult with a Mississippi accident attorney if you face such a situation in order to file a lawsuit. 

Walter White was smart but he was dumb – his ego and greed overcame his reason and love for his family. White’s existence on planet earth was a negative, which is the opposite of this website (Accident.USAttorneys.com). This website has altruistic purposes. This website helps people find the legal talent they need when they need it the most. This website has saved lives and made many people smile. Well, not the people who were or are in the wrong!

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.

Until cars are automated, accident  lawyers will be needed. Click on one of the links above or below to find yourself that legal counselor that can help you out of this mess. Legal help is right around the virtual corner.

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, according to Gulfport, MS accident lawyers.

What are “Bad Faith” denials?

The term ‘bad faith’ means that insurance companies has no wish to fulfil its legal obligations and therefore has denied your claim. If you are injured in an auto accident and your claim has been denied it is integral to contact the insurer to find out the cause. If you think the denial is unjustified you ought to speak with a Mississippi accident lawyer as soon as possible. But really you should not be dealing with the insurance company without the help of a legal counselor anyhow.