It can be extremely stressful to be involved in a serious auto accident, but what makes things worse is if you find out that your auto accident claim was denied by the insurance company. After all, you likely made sure to pay your monthly premiums on time and met your deductibles, yet you might have no idea why your claim was denied. Luckily, with the help of a personal injury attorney, you can get to the bottom of the situation. In some instances, there may be more than one single reason why your claim was denied. Here are a few reasons why insurance companies may deny auto accident claims.
You Did Not Obtain Medical Treatment Immediately
An auto accident can be a very traumatic event, which can leave you in serious shock. In many cases, that shock can cause you to not feel your injuries. Unfortunately, this can result in you not seeking out the medical treatment that you need, which could lead the insurance company to deny your claim.
The insurance company may declare that your injuries are from a pre-existing condition instead of the accident or that your injuries became worse due to you failing to obtain immediate medical care. This is why it is so important to seek immediate medical attention after an auto accident, even if you do not believe that you are injured because there could be internal bleeding or injuries that you are unaware of.
You Failed to Report the Auto Accident in a Timely Manner
If you failed to report the accident to the police in a timely fashion, the insurance company may wonder why. In addition, they may have questions as to whether the accident could have been prevented. Questions like these can lead the insurance company to consider the strength of your overall claim, which could lead to the claim being denied.
Therefore, it is important to report auto accidents immediately to the police. This will ensure that those who need medical treatment can receive it. In addition, it also ensures that the police can write up an official report on the scene for use later, if necessary.
Your Insurance Policy Limits Don't Cover the Amount of Damages
Auto accident injuries can range from something as small as scratches and contusions to something more moderate like broken bones to something more serious like a spinal cord injury. It is possible for the medical costs that are associated with the recovery to go beyond your policy limits.
Usually, you can expect your insurance company to pay for damages up to your policy limits. For anything over, an attorney can provide assistance in possible compensation. For instance, one option may be to sue the other driver if they were responsible for the automobile accident.
When your life is changed as a result of another person's reckless actions and your insurance claim has been denied, you need to speak to a personal injury attorney to find out what your next course of action is.