Denied Insurance After a Car Accident? How a Lawyer Can Turn the Tide
| September 2nd, 2024
Car accidents are stressful enough on their own, but having your injury claim denied can lead to even more frustration and confusion. If your or the other driver’s insurer rejects your injury claim after a crash, you can appeal the decision with the help of an experienced California car accident attorney at Berg Injury Lawyers.
Learn how a qualified attorney can be your biggest ally in challenging an unfair insurance denial and help you secure the compensation you deserve after a collision.
Reasons for a Denied Claim
After a car crash, you might face expensive medical bills, car repairs, and lost wages. Insurance is meant to help cover these costs by providing financial support when you need it most. However, the insurance claims process in California can be complex, and insurers often deny valid claims.
The most common reasons for a denial include:
- Disputed Fault: If the insurance company questions who was at fault in the accident, they may deny the claim. This often happens in accidents where liability is unclear, and multiple parties could be responsible.
- Policy Exclusions: Your claim may be denied based on the exclusions specified in your policy. For example, the insurer may not approve your claim if your policy doesn’t cover certain types of damage or accidents under specific conditions.
- Insufficient Evidence: Insurance companies require substantial proof to process claims. Your claim could be rejected if there’s not enough evidence to substantiate how the accident happened or the extent of the damage.
- Missed Deadlines: Insurance policies have strict deadlines for filing claims and submitting required documents. Missing these deadlines can lead to your claim being denied.
- Allegations of Fraud: Insurers are vigilant about fraud and can deny a claim if they suspect any deceit or misrepresentation, such as exaggerating damages or staging accidents.
Why You Need Legal Representation
If your insurance claim is denied, a skilled attorney at Berg Injury Lawyers can help protect your interests and appeal the decision. Here’s why you need legal representation to contest a rejected claim:
- Understanding Complex Laws: California car accident attorneys use their knowledge of insurance laws and regulations to challenge unfair denials effectively. They will investigate why your claim was denied and build a strong appeal.
- Effective Negotiation Skills: Lawyers use their training in negotiation and direct experience with insurance companies to advocate on your behalf. They engage in strategic discussions to overturn the unjust denial and achieve a favorable outcome.
- Stress Reduction: A lawyer simplifies handling insurance disputes so you can focus on recovery after an accident. They manage the legal issues, allowing you to focus on your health and recovery without additional burdens.
- Error Prevention: Legal professionals meticulously manage every detail of your claim process, adhering to all deadlines. Their careful attention to detail prevents mistakes that could lead to claim denials.
Appeal Process for Car Insurance Claims
Our qualified attorneys at Berg Injury Lawyers can help you appeal a car accident claim denial and recover full compensation. We take the following steps to renegotiate a settlement with the insurance company:
| Step | Action |
| Initial Review | Begin by reviewing the denial notice and the relevant insurance policy. |
| Collect Evidence | Gather all necessary documentation and evidence, such as dashcam footage, medical records, or GPS data, to support the claim. |
| Consult With Experts | Work with experts such as accident reconstruction or medical professionals to gain insights into the cause of the accident and the extent of your injuries. |
| Build Your Case | Compile evidence and expert analysis into a comprehensive case and submit it to the insurer for appeal. |
| Negotiate With Insurers | Re-initiate negotiations with the insurance company to secure a fair settlement. |
| Initiate Lawsuit | If the insurer refuses to settle, we can file a lawsuit to seek fair damages in court. |
Take Action to Protect Your Rights
A denied insurance claim after a car accident can feel like an insurmountable obstacle, but it’s important to remember that you have options. With the help of a qualified California car accident attorney from Berg Injury Lawyers, you can challenge the denial, gather the necessary evidence, and negotiate for the compensation you rightfully deserve.
Contact us today for a free consultation so we can start the appeals process and get you the financial support you need for recovery.
