Can Auto Insurance Deny a Claim? The answer is simple: yes, insurance companies can deny a car accident claim, but the reasons surrounding such refusals can be very different. Understanding why this happens is crucial in helping car owners in Edwardsville, IL, take the necessary steps toward resolving these issues. Knowing your rights and the avenues for challenging such decisions is critical, whether due to exceeded policy limits or documentation problems. If you have a denied claim, remember that Walton Telken has a team that can help you in this circumstance.
Reasons Insurance Companies Deny Car Accident Claims
Car accident claims can be rejected due to failure in the policy provisions or discrepancies in your documents. These are overwhelming grounds when one struggles with an accident’s consequences.
How to Appeal a Denied Claim
If your health insurer denies a claim or cancels your coverage, you have the right to appeal for an independent third-party review. In writing, your insurer must notify you of the reason behind this decision, including how you can challenge their decision. Contention can be made through the following two methods:
- File an Internal Appeal: If the insurance company denies any claim, start by filing an internal appeal with the company. Ask them to reconsider and resubmit their decision with supporting documents like medical records or receipts. The company must then do a fair review and respond within the time limits set in your policy.
- Seek an External Review: Request an external review if the internal appeal is unsuccessful. An independent third-party reviewer goes through your case and makes a fair decision. Their verdict is absolute and legally binding.
Understanding these steps will give you the tools to challenge unfair decisions and advocate for your rights.
Common Reasons for Claim Denial
Being informed about the more frequent causes of car accident claim denials can help you better navigate this overall process and, maybe, prevent issues in the future.
Exceeding Coverage Limits
One of them is exceeding the policy coverage limit. If damages from an accident exceed your limit, your insurer won’t pay the extra cost. This indicates the need to review your policy limits periodically.
Failure to Comply with Policy Terms
Failure to adhere to your insurance policy requirements can get your claim denied. For example, not informing your insurer right after the accident or missing necessary documentation can hurt your case.
Delayed Claim Filing
Insurance companies usually have strict deadlines for filing claims. Failure to meet this deadline may lead to denial. To avoid such a problem, always notify your insurer about an accident as soon as possible.
Prior History of Fraudulent Claims
If an insurance company believes you’ve filed fraudulent claims in the past, they might be more inclined to deny a current one. This highlights the importance of transparency in every interaction with your insurer.
Issues with Medical Evaluation or Documentation
Insurance claim denials can occur due to incorrect coding, missing documents, or claims for services not covered under the policy. These lead to delays and frustration for patients and providers.
Steps to Take After Your Car Insurance Claim is Denied
Working on a declined claim can be daunting, but there are ways in which you can address it amicably. Here are actionable steps to help you move forward with confidence
Filing an Appeal
First, read through the denials in the letter from your insurance provider. Gather the evidence that will help your case, like photos, police reports, and witness statements. Send those in with a letter stating why the denial should be overturned.
Working with a Lawyer to Resolve Claim Denial
Sometimes, self-appealing doesn’t work. Conversely, an attorney can help dispute a denied claim through evidence gathering, communication with the insurance provider, and litigation. A car accident lawyer will protect the accident victim’s rights and navigate them through the process.
Hiring a Lawyer to Help with Denied Insurance Claims
Navigating a denied claim can become complex, especially when you’re already dealing with accident-related stress. Hiring a lawyer can simplify the process and provide peace of mind. A car accident attorney will understand the nuances of your case, investigate thoroughly, and work on your behalf to ensure fair compensation.
Contact Us Today
Has your claim been denied? Contact Walton Telken today for trusted legal expertise. Our team is committed to fighting for your rights and ensuring your desired outcome. Call us today at 844-307-7349 or visit us at 241 N Main St., Edwardsville, IL 62025, to schedule your consultation. Let us help you with your case!
