5 Reasons Your Car Accident Insurance Claim May Be Denied

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If you’re in a Boston auto accident, you’ll more than likely have to file an insurance claim. Even if the other driver has no insurance, you’ll need to file a claim under your uninsured motorist’s clause. Most of the time, your claim will be approved and you’ll get a check within a week or two. You’ll get enough money to cover the repairs on your car. You’ll also get coverage for any medical bills you may have accrued.

Sometimes, your insurance claim will be denied. If this happens, you need to call a Boston auto accident lawyer. The first thing he’ll do is file an appeal. He’ll reach out to the insurance adjuster and try to get your claim paid. If he’s unable to do this, he’ll have no choice but to file a lawsuit against the other driver. The other driver will let his insurance company know he’s being sued, and the insurance company will have to defend the suit on their client’s behalf.

There are a handful of reasons why your claim may be denied. It’s important to know why the claim was denied before you file the appeal. Your lawyer knows how to handle all types of insurance denials.

Here is a brief summary of the 5 main reasons why your Boston insurance claim may be denied.

The Policy Wasn’t Valid

When you get into an accident, you have no idea if the other driver’s insurance is valid. This is why we always say to call the police after a crash. If you just exchange insurance information with the other driver, he could give you false information. Or, his insurance policy isn’t valid. You won’t find out until you file your claim. The next thing you know, you get a letter in the mail saying your claim has been denied.

If an insurance policy isn’t valid, they aren’t going to pay your claim. It doesn’t matter how good your attorney is. Insurance companies would go bankrupt if they paid claims out on invalid policies. The policy could be invalid for different reasons, including:

  • Cancelled for non-payment
  • The driver isn’t listed on the policy
  • That particular vehicle isn’t covered by the policy
  • The policy expired a long time before the accident

The Insurance Company Believes You Were at Fault

This may be the most common reason claims are denied in Boston. Very rarely is one driver 100% at fault for a car accident. It usually takes a bit of investigating to determine who caused the accident. The insurance company may believe you were the one responsible. If this is the case, they’re not going to pay your claim.

Your Boston auto accident attorney can try to resolve this with the insurance adjuster. It could be a matter of not having enough information to determine who was responsible. Your lawyer will try to negotiate with the adjuster to pay your claim.

They Don’t Believe You Were Injured

Insurance companies receive tons of fraudulent claims every year. Drivers exaggerate about their injuries in order to get more money. People who weren’t hurt at all claim that they had thousands in medical bills. If the insurance company doesn’t believe you have injuries, you won’t get paid.

You Have a History of Filing Fraudulent Claims

There are people who intentionally get into car accidents so they can file false insurance claims. They may purposely cause rear end collisions in order to make a few bucks, because they know the rear driver is almost always at fault. They figure it’s an easy way to get a few thousand dollars.

Insurance companies can see how many insurance claims you’ve filed before. If you have a history of filing car accident claims, they may refuse to pay. Your attorney will have to show that the accident was legitimate and that you actually have injuries.

You Didn’t File the Proper Paperwork

Sometimes, claims are denied for purely clerical reasons. If you didn’t file the proper forms, your claim may not be paid. Or, if you don’t respond to the insurance company’s letters or calls, they may deny your claim. This should be an easy issue for your attorney to resolve. He can call the insurance adjuster and find out what information is missing.

Contact a Boston Auto Accident Attorney Right Away

If your car accident claim is denied, you need to call a Boston auto accident attorney right away. Schedule your free initial consultation today. You can sit down with an experienced lawyer who can help get your claim paid.

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