Why a Car Accident Insurance Claim Is Denied
Filing an insurance claim is an essential element of handling the aftermath of a car accident. If you’re certain that someone else was at fault for your accident, you may be able to obtain compensation from the other driver’s insurance company in the form of lost wages and medical expenses as well as repairs for your car. However, there are times when an insurance claim can be denied, which you should be aware of before filing a claim.
The Accident Could Have Been Avoided
Among the most common reasons for an insurance claim to be denied is because the company believes that you could have easily avoided the accident. They might also determine that you caused the accident. This reason for denial is particularly common if the insurance company finds that you were doing something at the time of the accident that nullifies any policy coverage, which could be anything from driving while drunk to allowing an unlicensed driver to operate your vehicle.
No Treatment or Complaint Occurred Immediately Following the Accident
If you’ve been injured in a car accident and want to file an insurance claim to receive compensation, it’s important that you make this claim or receive treatment in a timely manner. If you didn’t receive any initial treatment until several weeks later, the insurance company could say that your injuries didn’t occur because of the accident. To avoid this issue, seek medical attention immediately following an accident even if you don’t think you’re injured.
Medical Records Don’t Correlate With Reported Injury
If your medical records state that you didn’t suffer from an injury or that your injury isn’t nearly as severe as you reported on the claim, it’s possible that the claim could be denied. The same is true if you had a preexisting condition that caused the injury as opposed to the accident itself. If your insurance claim is ever denied, an accident lawyer in Las Vegas may be able to assist you in exploring other legal options, which includes filing a personal injury lawsuit.