Can I Fight Back If an Insurance Company Denies My Car Accident Claim?
A lot happens when you get involved in a car accident. You may sustain severe injuries requiring medical treatment that often doesn’t come cheap. Depending on the extent of the accident, you may end up without a job and suffer from lost wages from missed time at work. That’s not forgetting the emotional trauma and mental anguish of the accident.
To compound your problem further, your insurance company may refuse to pay your car accident claim. It’s only natural to feel frustrated and wonder what to do next. Unfortunately, most insurance companies try to shortage the claimants, but you can fight back with the help of Christian personal injury and family law lawyers in Tulsa.
Why Did the Insurance Company Refuse to Pay Your Claim?
Many insurance companies prioritize their profits over the claimant’s damages. Some will go out of their way to find a reason not to compensate the victims. Some of the reasons why an insurance company can deny a claim include the following:
The Insurance Company Questions Your Injury
If your medical diagnosis seems out of line based on the accident’s impact, the insurance company may question your injury or its severity. The same happens if the medical bills are excessive. An example is injuries that the doctor terms permanent and don’t respond to traditional treatments. Permanency of injuries allows you to sue for damages not covered by PIP.
Additionally, if you don’t disclose prior injuries or accidents during the initial investigation, a liability carrier may uncover them and use the information against you. They’ll portray you as an untrustworthy person and damage your chances of getting compensation. Christian car accident lawyers in Tulsa can fight aggressively to defend your rights.
Lapsed Insurance Policy
If your insurance policy isn’t valid at the time of the accident, the insurance company won’t have coverage to pay out to you. The best way to prevent this is to ensure you pay your premiums on time. A lapse in coverage could also attract fines and penalties, for example, suspension of your driver’s license.
At-Fault Driver’s Insurer Denied Your Claim
If another driver was at fault in the accident, their insurance company could deny your claim for various reasons. For example, not providing correct insurance details or not having the right or enough coverage are reasons to deny your claim.
Additionally, if the accident happened in a no-fault state, the responsibility of paying your medical expenses lies on you to the extent of your policy’s limits.
You Violated the Policy Terms
All insurance policies limit what drivers can or cannot do. For example, most personal auto coverage policies don’t cover commercial uses or vehicles. That means your personal insurance cover provider won’t be liable if you rent a commercial car and get into an accident while using it.
Your Claim Raised Suspicion
The insurance company can deny your claim if you
- Didn’t call the police on time after the accident
- Waited for a long time to lapse before you called the insurance company
- Unreasonably delayed seeking medical treatment.
You may have had valid reasons for making these choices, but insurance adjusters might view these delays as red flags. The argument is that a person truly injured in a car accident will immediately act on the above issues. If you believe you had a genuine reason for the delay, let Tulsa Christian car accident lawyers evaluate the details of your case and defend you.
Can I Appeal My Car Insurance Claim Denial?
If you would like to appeal the decision by the insurance company to deny your claim, you need to create a winning strategy. The input of skilled and experienced Christian car accident attorneys in Tulsa can enhance your chances of presenting a compelling argument backed up by strong supporting evidence.
Your lawyer will help you obtain all evidence and records related to the collision. For example, if your claim was denied because the insurance company questioned your injury, your Tulsa injury lawyer can help you collect medical records, along with other relevant evidence that can prove the injuries.
Avoid Emotional Responses
Try to take a deep breath, calm your nerves, and clear your mind to think clearly. While car accident claims can create fear and anxiety, insurance companies may capitalize on these emotions to provoke you to say or do something to justify their reason for denying the claim.
That’s why you shouldn’t accept the first “no” that you get from the insurance company. Instead, let your Tulsa Christian car insurance attorney contact the insurance company and clarify that you’ll fight back. Your attorney can also help you review the further details of the denial letter to explain why your claim was denied.
What If the Insurance Company Still Denies My Claim After an Appeal?
Tulsa Christian personal injury and family law lawyers can help you explore other options if the appeal fails. They can help you establish if the insurer is acting in “bad faith.” The insurer’s refusal may be based on an unreasonable attempt to avoid its legal obligation.
Bad faith occurs in many circumstances, for example:
- Losing paperwork
- Denying a claim without proper investigation
- Refusing to provide a written explanation for the denial
- Misconstruing the insurance policy language to avoid payment
If your Oklahoma car accident lawyer establishes that the insurance company is acting in bad faith, you can ask them to use the insurance company. You can potentially collect damages for:
- Lost income
- Medical bills
- Pain and suffering
- Property damage
- Mental anguish
- Emotional distress
- Physical impairment
In addition to these damages, you may also be entitled to punitive damages and compensation for bad faith insurance practices. Your car accident attorney will assess your insurance claim and verify that it includes all recoverable damages.
An Aggressive Injury Lawyer Fighting Back Unfair Insurance Company’s Decision
If you were injured in a Tulsa car accident and the insurance company denied your claim, you have a right to appeal the decision. However, don’t negotiate with the insurer on your own. Don’t go to battle alone or accept a smaller settlement than you deserve.
Let our car accident attorneys in Tulsa fight aggressively for you. Our law firm has years of experience in handling personal injury cases to help clients get fair compensation for the injuries they sustain and other damages. Book a case evaluation with us today.