Dealing with a car accident is stressful enough without having to fight with an insurance company to get the compensation you deserve. Unfortunately, some insurance companies delay or outright deny valid claims, leaving you wondering what to do next. If you find yourself in this situation, here’s a guide on how to proceed and ensure you receive the compensation you are entitled to.
Understanding the Insurance Company’s Tactics
Insurance companies are businesses focused on minimizing their payouts. If you were involved in a straightforward accident—say, you were rear-ended at a traffic light—you might assume that filing a claim should be simple. You submit your medical bills, lost wages, and other expenses, expecting to be reimbursed. However, insurers often use tactics to delay or deny claims. Some common excuses include:
- Requesting a Statement – The insurer may insist on getting your recorded statement, which could later be used against you to devalue your claim.
- Demanding Excessive Documentation – They may request all of your medical records, even those unrelated to the accident, to find a reason to deny coverage.
- Delaying the Process – The insurer may drag out the claim review process, hoping you will become frustrated and give up.
- Claim Denial – Finally, they might simply deny your claim outright, citing ambiguous reasons.
What to Do If Your Claim Is Denied
If the insurance company refuses to pay, you still have options. Here’s what you should consider doing next:
1. Consult with an Attorney
Before taking any drastic steps, consult with a personal injury attorney. They can evaluate your case and advise you on the best course of action. Many attorneys offer free consultations, so there’s no harm in seeking legal guidance.
2. File a Lawsuit
If the insurance company refuses to settle, your best option may be to file a lawsuit. A lawsuit forces the insurer to justify their decision in court, and often, they prefer to settle rather than face litigation. Legal action may be necessary to recover your damages, including medical bills, lost wages, and pain and suffering.
3. Consider Small Claims Court
For smaller claims, filing in small claims court might be an option. This process is typically quicker and less expensive than a full lawsuit, and you may not even need an attorney. However, small claims court has limits on the amount you can recover, so make sure it’s appropriate for your situation.
4. Report the Insurance Company
If you believe the insurer is acting in bad faith, you can file a complaint with your state’s Department of Insurance. Insurance companies have a legal duty to act fairly, and regulatory authorities can investigate their practices.
Final Thoughts
Insurance companies sometimes delay or deny claims in the hopes that you will give up. Don’t let them take advantage of you. If your claim is denied, take action by consulting an attorney, considering a lawsuit, or pursuing small claims court. The key is to stay persistent and ensure you receive the compensation you deserve.
If you’re struggling with an insurance claim denial, seek legal advice to understand your rights and options. The sooner you take action, the better your chances of securing a fair settlement.
