How to Resolve a Denied Auto Accident Claim
The stress and difficulty of recovering from a car accident worsens when your insurance claim is rejected. Even though claims rejections are common in Wisconsin, you should not think that a denial means your hopes of getting fair compensation are over. After your refusal, you have options, especially if you consult with an experienced Wisconsin personal injury lawyer.
Your chances of receiving a sizable compensation rise when you work with a personal injury lawyer. Get someone on your side who keeps careless drivers responsible for their actions every day rather than attempting to do it alone.
Understanding Common Causes of Denied Auto Accident Claims
Insurance companies will use any reason to deny a claim. The following are some of the most popular reasons for denial:
- Absence of proof or evidence
You are going to be let down if you expect your insurance provider to believe you without any proof. An insurance company can easily reject claims that are filed without evidence backing them up, such as police reports, medical records, or accident images, stating that there is inadequate proof to establish responsibility.
A car accident lawyer can help you in collecting proof for a lawsuit, such as:
- Evidence from the site, including photos and videos
- Statements from eyewitnesses
- Testimonies from experts
- Police reports
- Bills and medical records
- Issues with the insurance policies’ coverage
In order to confirm that the appropriate insurance policies cover the accident’s circumstances and participants, insurers will conduct an inquiry. Any disparities may result in rejection.
Working with a lawyer who can use uninsured driver regulations can boost your chances of getting compensation in these situations.
- Pre-existing conditions
If your insurer can demonstrate that you possess pre-existing conditions that could prevent you from receiving benefits, they are unlikely to pay out. The frustrating part is that even though your accident might have made pre-existing conditions worse, the insurance company will claim that you are not covered because you already had a condition!
For example, migraines are a frequent side effect of trauma and head injuries sustained in an accident.
- Your share of the responsibility
The insurance company might try to reject the claim or lower the amount of reimbursement if you turn out to be partly to blame for the accident.
The percentage of the blame in an accident will be deducted from your total compensation because Wisconsin is a comparative fault state. In order to protect you against unfair or false claims concerning your responsibility, an attorney may help in reconstructing the accident as precisely as possible.
How a Lawyer Can Help After a Rejected Claim
Your lawyer knows how disappointing and depressing it can be to get the news that your claim has been denied by an insurance company, especially if you are sure that someone else was at blame.
Your lawyer can help in reducing that frustration in the following ways:
- Gathering accident-related documents, such as photographs and videos
- Make contact with witnesses in order to get statements and possible testimonies.
- Examining and getting police reports
- , collecting medical records to demonstrate injuries, and figuring out overall medical costs
- Hire experts as witnesses to shine a light on the accident and any disputed facts.Â
Do You Need to File an Appeal or Take Legal Action?
After the denial of an accident claim, you have a few options.
A large number of insurers provide a straightforward procedure for challenging claims denials. After notification, the deadline typically falls between 30 and 180 days. Make sure you stick entirely to all the rules before submitting an appeal.
You will have to write a more powerful story and detail the accident’s severity and how it impacted your life, paying special attention to the financial effects. When you initially apply for compensation, you will need to bring out facts that were initially misunderstood and highlight any earlier missing proof.
