Why Would Your Car Accident Claim Be Denied?

Why A Car Accident Claim Could Be Denied | Car Accident Lawyer Boston

If you get into a car accident in Boston, you’ll probably have to file an insurance claim. Even if the other driver has no insurance, you’ll have to file a claim under your own uninsured motorist’s policy. Most of the time, your claim will be paid without issue and you’ll get your check within a week or two.

Sometimes, things don’t go so smoothly. The insurance company doesn’t always pay your claim right away. You may have to provide additional information. Or, your claim could be denied all together.

When this happens, you need to call a car accident lawyer in Boston. Your lawyer can contact the insurance adjuster and find out why your claim was denied. He can also find out what you need to do to get your claim paid. If the insurance company is being difficult, your lawyer will let them know he intends to file a lawsuit.

Insurance companies aren’t intimidated by regular people. They figure they can either ignore you or just try to offer you a low-ball settlement. They just won’t take you seriously. If you have a lawyer, they’ll be more likely to take you seriously.

Why Would They Deny Your Claim in the First Place?

Insurance companies aren’t really in the business of paying claims. It’s in their best interest to either deny claims or try to settle them for less than they’re worth. This is how insurance companies save money. So don’t take it personally if your claim is denied. Think of it as a starting point for negotiations.

Some of the reasons why the insurance company may deny your claim include:

  • The policy wasn’t valid
  • The policy had lapsed for non-payment
  • The driver wasn’t listed on the policy
  • You didn’t file your claim in time
  • The insurance company doesn’t believe you were hurt
  • They think you caused the accident
  • You have a history of filing false claims

If the policy wasn’t valid, there’s no way the insurance company isn’t going to pay your claim. If they paid claims on invalid policies, they’d go bankrupt in a matter of months. But if your claim is denied for any other reason, your Boston auto accident attorney can try to negotiate payment of your claim.

How Can a Car Accident Lawyer in Boston Help?

If your insurance claim was denied, a car accident lawyer in Boston can help. The bottom line is the insurance adjuster will take you more seriously if you have a lawyer. Boston car accident attorneys have years of experience dealing with insurance adjusters. They know how to talk to them. They also have an idea of which companies are willing to settle and which aren’t.

When the insurance company realizes you have a lawyer, they’ll probably change their tune. They’ll be more inclined to pay your claim even if it’s only so they can avoid a lawsuit. Lawsuits and trials are expensive for everyone. Nobody ever wants to go to trial.

Trials are time consuming and expensive. And, no matter how strong you think your case may be, you always face the risk of losing. If you lose in court, you’re not going to be compensated. You can’t just go after the insurance company until you get the result you want. If your case is dismissed or if the jury finds in the defendant’s favor, you’re out of luck.

This is why it’s always a good idea to try to settle your claim. Your Boston accident lawyer will try to do this for you. He’ll call and speak with the insurance adjuster. He’ll make sure you don’t accept a low-ball settlement. In fact, he won’t let you agree to any settlement until he gets a chance to review it.

Contact a Car Accident Lawyer in Boston Right Away

If you get into a car accident in Boston, you need to call a car accident lawyer in Boston right away. You don’t want to wait until your claim is denied before you call a lawyer. The longer it takes to appeal your claim, the lower your chances of getting paid.

Your car accident lawyer in Boston can reach out to the insurance company. He’ll review your claim and let you know what it may be worth. He can also answer any questions you may have.

Call today and schedule your initial consultation. It’s absolutely free and you pay nothing until you win your case.

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