Common Reasons For Denial of A Car Accident Claim

The act of fling a personal injury claim represents a request to an insurance company. The claimant asks such a company to handle his or her claims of reported damage. A company’s refusal to grant what has been requested serves as a denial.

Possible reasons for a denial

• The claimant has done something that helped to trigger the accident’s occurrence.
• The claimant delayed the effort to search for treatment.
• The doctor’s report makes no mention of an injury.
• A pre-existing condition has caused the victim’s pain or discomfort.

The necessary prelude to a denial

An accident victim claims the existence of some type of damage, such as an injury. There is no timeline for presentation of a claim, although an insurer might suggest that one does exist. There are no guidelines provided to possible claimants, with respect to measures that can increase the soundness of a claim. Yet Personal Injury Lawyer in Richmond Hill have created guidelines for any possible client. For instance, an attorney’s job becomes much easier if a client has admitted to experiencing a period of unconsciousness at the scene of the accident.

Insurance companies appear to have cut to a minimum the amount of information that is required in a claim. That tactic helps them to find a reason for denying the help that has been requested. Lawyers have caught onto that tactic. Consequently, a claimant can benefit from hiring a lawyer.

Recommended actions for claimants

Read over the list of possible reasons for a denial. See if any of those could pertain to your case. It could be that you simply need to provide the company with more information. If that is the case, work on obtaining that piece of information.

On the other hand, if you still see no reason for the action made by the insurance company, you might be able to sue the company for bad faith. The government monitors the actions taken by insurance companies.

Consult with an attorney. Explain the nature of your demanded compensation and the nature of the explanation in the denial letter. Find out if you have a sound case to make against the insurer. Prepare to work with the attorney on a lawsuit, one where the insurance company has been accused of bad faith.

Final thoughts

Do not subject insurance companies to a flood of lawsuits. Make sure that you have a strong case. Understand what happens if too many policyholders come forward with efforts at suing an insurer.

That can trigger creation of new policy options. In fact, that consequence accounts for the creation of the Uninsured Motorist option and the Underinsured Motorist option. Insurance companies sell those, and, thus, make money from a past, when they got sued repeatedly.

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