If you are looking at a stack of medical bills and car repair accidents after an accident, the last thing you want to hear is that your claim is denied. Unfortunately, insurers can find many reasons to poke holes in a claim, and sometimes you need an experienced Corpus Christi, Texas auto accident lawyer to help you change someone’s mind.
Whose Insurance Should Pay For My Damages?
Your policy or another driver’s policy can pay for various damages, depending on the severity of the accident and who is to blame. If you are in a minor accident, going through your own coverage may be the easiest route. Coverage like MedPay and personal injury protection can make up for costs like medical expenses and lost wages. Collision coverage can help with vehicle repair or replacement costs.
If you are in a serious accident and someone else is to blame, you may want to submit a claim with their insurer. If they were responsible for the accident, their liability coverage should cover your expenses.
Why Would a Claim Get Denied?
Insurance companies often deny claims due to:
Lack of evidence: There may not be enough evidence of someone’s fault or enough proof that you need medical attention due to the accident.
Lack of coverage: If you try to use an optional type of coverage you do not have, like collision or comprehensive, then your claim can be denied.
Treatment is unrelated to the accident: An insurer might try to argue that your injuries do not stem from this accident.
Pre-existing conditions: The insurance company can say that they accept that you are injured, but a pre-existing condition is most of the reason for it. They may deny your claim or offer you less money than you need to pay your medical bills.
What Can I Do If My Claim Is Denied?
If your claim gets denied, you will be told why. You may be able to negotiate with the insurer and fix the problem. For example, if you were denied because of a lack of evidence about your injuries, you can send over more medical records. If an insurance company still won’t reverse its original denial of your claim, then it may be time to get a lawyer involved.
How Long Do I Have to Make a Claim?
Texas gives accident victims two years to pursue compensation through the legal system. We don’t recommend waiting that long to act though. Some insurers might have their own rules about when claims need to be submitted and how long you have to appeal a denied claim. Your best option is making your claim as soon as possible. If you need legal assistance after that, our lawyers are ready to help.
Schedule a Free Case Consultation
So if you have had a claim denied and you want to explore your other options, contact Sahadi Legal Group. We can schedule a consultation and tell you more about what our legal team can do to help.
