Car accident lawyers are used to dealing with insurance companies. In fact, a lot of clients don’t even talk to a Boston, MA accident lawyer until they’ve learned that their claim has been denied. Otherwise, they will have gotten paid by the insurance company. And, if that happens, they have no reason to need a lawyer.
For the most part, insurance companies do pay car accident claims. However, there are times when they decide to deny it. Maybe the claim was very large. They figure it’ll be cheaper for them to settle it later than pay the whole claim now. Or, they have a feeling they can win in court. All they have to go on at the beginning of the claim period is the information provided by the insured. They may not even have the police report when they first decide whether to pay your claim. If this is the case, they may decide later on that it’s worth settling. But, they have no reason to do this if you don’t have your Boston car accident attorney file an appeal.
Car accident lawyers do a lot more than just sue people. They negotiate with the insurance adjusters on your behalf. They can also settle your claim out of court once you have filed suit. It’s in your best interest that you have a skilled car accident lawyer in Boston by your side.
Why Would the Insurance Company Deny Your Claim?
There are lots of reasons why an insurance adjuster would deny your claim. If they paid out every claim that came through the door, they would go out of business in no time.
There are times, in fact, when it’s smart for the insurance company to deny a claim. Some people do file false insurance claims. And, there are times when the other driver truly wasn’t at fault. It’s the insurance adjuster’s job to determine when this is the case. However, most of the time, when they deny a claim, it’s for one of the following reasons:
- They believe you were at fault for the crash
- They don’t believe you were really injured
- They believe you had a pre-existing condition
- The policy wasn’t valid or had lapsed for non-payment
- You have a history of filing false insurance claims
You may already know why your claim was denied when you called the attorney. Or, you could have no idea. It can be hard to get an insurance adjuster to actually answer your calls. The good thing about having a car accident lawyer is that get a return phone call. The insurance adjuster doesn’t ignore them like they may ignore you.
If You Don’t Have a Boston, MA Accident Lawyer, You May Be Taken Advantage Of
If you don’t have a lawyer helping you with your claim, you may be taken advantage of. When the insurance company learns that you’re handling the claim yourself, they have no incentive to work quickly. Nor do they have an incentive to pay you any more than absolutely necessary.
For example, let’s say you file a claim for $100,000. The adjuster denies your claim and schedules to close it in thirty (30) days. You get the denial letter and assume there’s nothing you can do. You wait months to talk to a Boston car accident lawyer. By then, it may be too late to appeal your claim.
The other thing about having a lawyer is that they won’t allow you to accept a lowball settlement offer. The insurance adjuster may offer a lot less than what your case is worth. They’ll also demand that you sign a release of all claims form in order to get any money. They know you’re desperate so they try to push you into settling. Never do this without letting an experienced car accident lawyer reviewing it first. They’ll make sure you don’t settle for less than what your case is worth.
Contact an Experienced Boston, MA Accident Lawyer
Some people are surprised when the insurance company denies their claim. It’s as if they just assumed payment would be on the way. And, for the most part, this is true. But there are times when insurance companies deny your claim for one reason or another. The good news is that you can file an appeal. And your odds of winning that appeal go up if you hire a skilled Boston, MA accident lawyer.