Being involved in a car accident is stressful enough, but dealing with an insurance claim denial can feel overwhelming. For many victims, insurance claims are vital in covering medical bills, car repairs, and lost income. If your claim has been denied, it’s important to know that you have options. Here’s what you need to do if the insurance company denies your auto accident claim.
1. Understand the Reason for Denial
Insurance companies are required to provide a clear explanation for denying your claim. Common reasons include:
- Insufficient Documentation: Missing police reports, medical records, or photos of the accident.
- Disputed Liability: The insurer disputes who was at fault for the accident.
- Policy Exclusions: The damages may fall under exclusions in your policy.
- Lapsed Policy: Your insurance policy may have expired or have unpaid premiums.
Review the denial letter carefully, and ensure you understand the reasoning. Don’t hesitate to reach out to the insurance company for clarification if needed.
2. Gather Additional Evidence
If your claim was denied due to insufficient evidence or liability disputes, focus on strengthening your case. Collect additional documentation, such as:
- Police reports
- Witness statements
- Photos or videos from the accident scene
- Medical records or bills
- Repair estimates or receipts for your vehicle
The more evidence you have, the stronger your case will be when challenging the denial.
3. Contact the Insurance Company
Before escalating the matter, reach out to the insurance company directly to appeal their decision. Ask for a detailed explanation and provide additional evidence to support your claim. Sometimes, an insurance adjuster may reconsider the denial after reviewing new information. Be polite but assertive, and ensure all communication is documented in writing.
4. Consult Your Auto Insurance Policy
It’s crucial to review the terms and conditions of your auto insurance policy. Familiarize yourself with:
- Your coverage limits
- Policy inclusions and exclusions
- Deadlines for appealing denied claims
Understanding your policy can help you identify any missteps on the insurer’s part and prepare a more informed appeal.
5. File an Appeal
Most insurance companies have an internal appeals process. Follow the steps outlined in the denial letter or your policy, including submitting a formal appeal with supporting documentation. Be prepared to state why you believe the denial was improper and provide evidence to support your claim.
6. Get Legal Help
If your appeal is unsuccessful or you feel the insurance company is acting in bad faith, it’s time to consult an experienced attorney. Talley Anthony Hughes & Knight understands how complex and frustrating the claims process can be. Our team will review your case, help you understand your rights, and advocate on your behalf.
Bad faith practices, such as deliberately delaying claims or misrepresenting policy terms, are unfortunately not uncommon. With legal representation, you can challenge these tactics and fight for the compensation you deserve.
7. File a Complaint or Take Legal Action
When all else fails, you can file a complaint with the Louisiana Department of Insurance. This regulatory body oversees insurance companies and can investigate claims of improper practices. Additionally, filing a lawsuit against the insurer may be necessary to recover damages.
Covington Car Accident Lawyers Ready to Help
At Talley Anthony Hughes & Knight, we’ve been standing by Louisiana’s car accident victims for over a century. We see firsthand the struggles families face when insurance companies deny rightful claims, and we’re here to offer the guidance and support you need. We’ve spent over a century helping Louisianans fight for the compensation they deserve, and we’re here to guide you through this challenge.
Reach out at (985) 313-8146 today and take the first step toward resolving your claim.