Most insurance companies deny claims regularly. If you have filed a claim after an unfortunate car accident, it is your right to get a fair settlement from your car insurance company. The insurance company can deny your claim for the following reasons:
You are behind on your monthly premiums.
You failed to get medical treatment for injuries.
Your claim does no go in line with the other party’s policy limits.
You failed to report or file a claim on time.
You are an at-fault driver or violated the law at the time of the crash.
You have not represented facts in your claim.
Typically, the company investigate your case and compensate you for the damages and medical costs. However, if the company has denied your claim and you think they have done wrong, you can take actions to make them reconsider or reverse their decision.
Insurance companies may use unfair means to get out of paying claims. It is possible that your insurance company draws out investigations, delay payments, or deny valid claims. Most insurance companies deal with a claim unjustly to save money.
Remember, denying a claim in bad faith is an offence that can lead to a legal action again the insurance company. You can file a lawsuit for compensation if you think the insurance company rejected your claim in bad faith. Here are a few steps you can take to get compensation for damages.
Step 1: Review Evidence
Before you appeal to the insurance company for negotiation or hire a solicitor to represent you in court, it is essential to review all evidence. Make sure you know why the insurance provider denied your claim.
Then, go through the evidence you submitted with the claim. Write a report or inscribe a document that proves the insurance company has made a wrong decision. Include copies of evidence, including the police report, medical records, eyewitness reports, photographs of the accident scene, medications, etc.
Step 2: Contact the Insurance Company
It is your right to contact the insurance provider and discuss the problem of denial. Provide all the necessary evidence you have collected and reviewed to the insurance adjuster. The company may reconsider its decision and reverse its denial.
Most probably, the insurance provider will negotiate a settlement with you. However, if the company sticks to its previous decision, then you need to hire a solicitor to help you appeal the company’s decision to the insurance commissioner. A successful appeal can lead to compensation for your losses.
Step 3: File a Civil Claim
If your attorney believes your claim was denied in bad faith, he can help you file a civil claim against the insurance company. Make sure you cooperate with the solicitor by providing him or her with all the necessary documental evidence.
Your solicitor will prove the insurance provider violated flouted the law. The insurance company will do its best to avoid a court trial and re-negotiate with you for a settlement. Seek guidance from your car insurance solicitor because he or she can get you the compensation you deserve.
No comments:
Post a Comment