I was injured in a car accident, why has the insurer denied my claim?

There are times when your insurance claim may be denied following an auto accident. Therefore, it is important to understand why your claim was denied. This is because all situations are not alike. Here are some typical reasons why insurance companies deny claims according to accident lawyers in Mobile, AL.

When the accident is avoidable

If you could have avoided the accident or acted in such a way that it resulted in the accident, chances are that your insurance claim will be denied. This is particularly true when the insurance company believes that your actions made the insurance policy coverage ineffective.

This includes allowing an unlicensed driver to operate your car or driving drunk and causing an accident. If you ever find yourself in such a situation, it is prudent to seek legal counsel since the insurance adjustors will always do their best to drive home a hard bargain.

Lack of complaint or proof of medical treatment after the accident

Alabama accident attorneys point out that if you want to file an insurance claim for injuries following a car accident, it is important to seek treatment immediately. Otherwise, the insurance company will claim that you did not sustain any injury due to the accident, and if there are any injuries, they weren’t in any way connected with the auto accident and were exaggerated with the sole intention of obtaining a payout.

It is unfortunate that those who have no means of paying for treatment are viewed as fraudsters since they avoided treatment at a time when they required it but in reality do have a valid accident injury claim. Of course getting insurance is not that hard but insurance costs have gone up because of the disastrous ACA so who knows really what is going on? But you can still obtain private insurance and the American way is to pay your own way.

If your lights to not work that well on your car, you need to get them fixed. You do not want to be in an auto accident that is your fault. 

If your medical records after the accident don’t indicate that you sustained an injury, your claim can be denied, since you are unable to establish that you deserve any damages.

If you happen to have a pre-existing medical condition your insurer can claim that the injury was not as a result of the accident. If this condition became worse due to the accident, you may be entitled to receive some compensation, but it is hard to prove that the condition became worse due to the accident, and the degree of the pre-existing injury, say accident lawyers from Mobile, AL.

Now in the movie Terminator 2, at the end, the T-800 played by Arnold Schwarzenegger was beat up real bad. In fact, he recognized that he needed vacation. If he was to get into an auto accident after that (if he did not put himself into the burning heated liquid steel) it would be difficult to say if any injury actually occurred because of the car accident since he was already so beat up. Now fortunately and most likely if you get into a car wreck your pre-existing injuries, if you have any, are certainly not as extensive as the T-800’s were.

So you should be able to obtain some compensation for the injuries that occurred during and because of the auto wreck.

Skynet would not have liked this website Accident.USAttorneys.com but Skynet is evil and thankfully does not exist. If you need legal help, click and call.

If your car insurance company is giving you issues, you need an accident lawyer in Mobile, AL.

Bad faith

These are some of the reasons why car accident claims are denied. However, as soon as you get a notice of denial, ask your insurer for the reason why your claim was denied and what steps are necessary to fix it.

If the reasons mentioned don’t apply in your particular case your insurer is potentially denying the claim in bad faith. This signifies that your insurance company is not ready to honor its obligation according to the legal agreement it entered with you. In addition, the auto insurer may be using one of several tactics to minimize or deny your compensation. This is unethical and potentially designed to deny you compensation by citing false grounds.

If you find yourself in a situation where your accident insurance claim is denied, make sure to reach out to an Alabama accident lawyer as soon as possible.