The denial of a car accident claim can be devastating and leave you wondering what options you have left for recovering the money you need and deserve. The good news is that there are still options for securing compensation. You first need to understand why your claim was denied before you can start taking the necessary steps to obtain money for your damages.
Whether you are filing an appeal or pursuing compensation through a lawsuit, having an experienced Milwaukee car accident lawyer by your side can significantly improve your chances of securing a favorable outcome for your case. A knowledgeable attorney will be able to guide you through the necessary steps for recovering fair compensation.
Steps to Take Following the Denial of a Car Accident Claim
After the denial of a car accident claim, it is important to remember that you still have options for recovering the compensation you deserve. While a denial can feel insurmountable, by taking the right steps, you still have a strong chance of getting the money you need.
Review the Reasons for the Claim Denial
The first step to take after your claim is denied is to thoroughly review the reason given by the insurance company. The denial letter you receive should contain the exact reasons they denied your claim.
Understanding the specifics of why your claim was denied is important for determining how to proceed. For example, a denial due to a missing document may be easy to remedy, while a denial caused by a policy exclusion may require you to put up more of a fight.
Collect All Documents Related to Your Claim
As you pursue compensation following a denial, it is important to have all of the necessary documents supporting your claim readily available and carefully organized. This will help your lawyer build a strong case supporting your claim.
Contact the Insurance Company
Reach out to the insurance company for further details about why your claim was denied. If it was a simple matter of missing paperwork, you may be able to provide any missing documentation and get the money you need for your claim without having to file an appeal.
Secure the Services of an Experienced Car Accident Lawyer
Whether you are appealing the decision of the insurance company or attempting to recover damages through a lawsuit against the liable party, having an experienced attorney by your side can make all the difference. Your lawyer will review the details of your case and advise you of which option is likely to yield the best results.
Your attorney will then begin building your case to help ensure a favorable outcome.
File Your Appeal
If you are continuing to pursue compensation from the insurer, you should submit a formal appeal, including a letter outlining the details of your case and addressing the issues expressed as the reason for the denial of your claim.
Your lawyer will build your case and help ensure you are providing all the necessary information for your appeal. If a hearing is scheduled for your appeal, your attorney will present your case.
File a Lawsuit
If you exhaust all your options for an appeal, but your claim is still denied, you can consider taking legal action against the insurer for a wrongful denial. Your attorney can build your case and represent you during your lawsuit.
Alternatively, if your claim is denied and your lawyer advises you that you do not have grounds for a lawsuit against the insurance company, you could decide to pursue a lawsuit against the party responsible for causing your car accident instead.
For a free legal consultation, call 414-276-6666
Common Reasons for Insurance Claim Denials
Understanding the most common reasons that claims are denied can help you avoid a denial and prepare for how to respond if your claim is denied.
Policy Exclusion
The fine print in your insurance policy likely includes multiple exclusions that allow your insurance company to avoid paying out under a variety of circumstances. Understanding all the specific details of your policy is important to help ensure a successful claim.
Late Reporting
You are required to inform your insurer of your accident shortly after the crash. Delayed reporting can lead to an outright denial of your claim.
Liability Disputes
Disputes over who is at fault can lead to the denial of an insurance claim. For your claim to be successful, you may need to present sufficient evidence proving the liability of the party with the insurance policy under which you are filing a claim.
Lapsed Coverage
Missed payments on an insurance policy can result in the loss of coverage. If the liable party’s insurance coverage has lapsed, you may need to file a lawsuit against the at-fault party, as their insurance provider will not cover damages.
Missing Documentation
If you are missing any documents required to prove your case, your claim may be denied. Providing further documentation may be enough to fix the issue in this case.
Pre-Existing Conditions
Insurance companies love to claim pre-existing conditions as a means of avoiding paying out on claims. They may claim that your injuries were not caused by your car accident but were instead already present before the crash.
Don’t Let a Claim Denial Discourage You
You should never let an initial denial of an insurance claim dissuade you from pursuing the compensation you deserve. You still have several options available to help you get the money you need.
Furthermore, most car accident lawyers work on a contingency fee basis, which means that you will never pay a fee until they win your case. Hiring a lawyer under these circumstances is risk-free and can put you in the best position to recover fair compensation.
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Reach Out to an Experienced Car Accident Lawyer Today
If your claim was denied after a car accident, hiring an experienced lawyer can make all the difference. At Gruber Law Offices, we are here to help so you never have to take on an insurance company alone. Our team of over 130 knowledgeable legal professionals will assist you every step of the way. With our headquarters in Milwaukee, we are committed to helping injury victims throughout Wisconsin.
Reach out to us today by making “One Call…That’s All!” and schedule your free case review with a member of our legal team.
Call or text 414-276-6666 or complete a Free Case Evaluation form
