Too often, auto accident victims are left in the cold by insurance companies at times when they’re at their most vulnerable. A crash that wasn’t their fault may have left them with expensive medical bills and a disability that puts them out of work for months. But despite their best efforts to follow all the right steps to get compensation, a single insurance adjuster can be the difference between them getting money to pay for their accident-related expenses and a claim denial letter.
If you’re in this situation, it’s important to know that having an experienced and successful legal team on your side can make all the difference in the world. At Matt Hardin Law, our Allen County car accident attorneys have helped injured victims get the money they deserve after crashes for more than 20 years, and we know what it takes to win. To find out how we can put our track record of success to work for you and your family, dial (270) 282-0110 or 1-800-777-MATT.
Why Do Car Accident Claims Get Denied?
After your crash, you may have been taken to the hospital in an ambulance. And while you were there, you may have had everything from X-rays and MRIs to lab tests and even surgery as part of your treatment. Whether you were in the hospital for a day, a week, or longer, the costs can add up quickly. To make matters worse, your injuries may prevent you from working and earning the paycheck you depend on.
Every day, victims of car accidents go through dozens of hoops to file claims with insurance companies to get money to pay for their accident-related expenses, only to find that their claims are reduced or denied with little or no explanation. Claims are denied for several reasons, including:
Delays in getting medical treatment, or lack of treatment, after the accident
Going to the hospital or seeing a doctor right away after an accident is one of the most important things victims can do. In addition to being a vital step for protecting their health, it also creates valuable evidence for their accident claim. When victims go without medical treatment for long periods of time after their accidents, or if they fail to get treated at all, the insurance adjusters may deny their claims on the basis that the accident didn’t cause their injuries.
Failure to notify
All insurance providers have requirements that they are notified of accidents shortly after they occur. Waiting too long to report an accident to the insurance company can result in a denial, especially if the insurance provider feels like it didn’t have enough time to conduct an independent investigation of the crash and your injuries. In addition to calling 911 and getting medical treatment, you should always report the accident to the insurance company as soon as possible.
Disputes over who caused the accident
While many auto accidents are cut and dry in terms of identifying the driver who was at fault, others aren’t as clear. In some cases, even the police report isn’t enough to determine who caused the crash, or who was the most at-fault in causing the accident if one or more drivers contributed. Experienced law firms know how to investigate crashes and determine with high precision who ultimately caused the crash and the levels of culpability for all involved parties.
Directly or indirectly admitting fault
Insurance adjusters are notorious for using auto accident victims’ words against them. When they speak with victims on the phone or in person, they may ask questions in a manner that results in victims talking as though the accident was either completely or partially their fault. Then, they can use those statements to deny the claim. That’s why it’s important to stick to the facts and keep answers short and concise.
In addition to these common causes, other reasons that claims are denied include policy exclusions, lapsed coverage due to non-payment, drivers and vehicles that aren’t listed on the policy, and claims that exceed coverage limits.
Insurance claim denials can be disastrous for car accident victims, as their expenses and unpaid time away from work can be substantial. If your accident just happened—or if you filed a claim and it was denied—it’s important to know that you still have a chance of getting the money you deserve. But it’s important to act quickly and proceed with a law firm that understands the nuances of auto accidents in Allen County and throughout Kentucky.
Don’t wait another moment to get the help you deserve. Contact Matt Hardin Law today.