Why Would the Insurance Company Deny My Car Accident Claim in San Diego?

Why would the insurance company deny my claim

The reason we all pay for car insurance is in case we get into an accident. If you get in an accident and it’s the other driver’s fault, you should be covered under their insurance. As long as they paid their premiums, there’s no reason why your claim should be denied, right?  Wrong.

In a perfect world, your car accident claim would be paid right away. You know you were hurt. And, you know you weren’t at fault. But the insurance company may not agree.

Insurance companies would go out of business if they paid every claim that came in their doors. They deny a certain number of claims every year. Maybe they deny your claim because they think it’s too large. Or, they don’t think their client was at fault.

When your claim is denied, it’s important that you call a car accident attorney in San Diego right away. You only have so much time to appeal your claim and you want to make sure it’s handled right.

Let Your Car Accident Attorney in San Diego Know Right Away if Your Claim is Denied

In California, you have to submit your accident claim within a few days after the accident. This isn’t necessarily the law, but it is the policy of most car insurance companies. Ideally, you’d file your claim the day or the accident or the next day.

If you’re in the hospital, it’s a good idea to have a spouse or family member file your claim on your behalf. Even better, call and arrange for your car accident lawyer to do it for you. If you miss the filing deadline, your claim will be denied.

Once you file your claim, you just have to wait for the insurance company to get in touch with you. Ideally, you’ll receive a check to cover your damages. But if your claim is denied, you’ll get a denial letter in the mail. This will usually come with a week to ten days after you file your claim.

As soon as you get a denial letter, you need to contact an experienced car accident lawyer. Your lawyer will contact the insurance company and find out what’s going on.

San Diego Car Accident Lawyers Know Why Claims Get Denied

Experienced San Diego car accident lawyers have seen their share of claims be denied over the years. After a while, they get to know the most common reasons for these denials. Some of these reasons include:

  • The insurance policy wasn’t valid
  • The policy lapsed for non-payment or wascanceledd
  • the driver wasn’t listed on the insurance policy
  • The driver’s license was suspended or revoked at the time of the accident
  • The insurance company thinks you were at fault
  • The insurance company doesn’t believe your injuries were as serious as you claim
  • Also, the insurance company thinks you had a pre-existing condition
  • You have a history of filing multiple accident claims in the past

For most of these reasons, your car accident lawyer can try to overcome the denial. Now, it the claim is denied because the policy wasn’t valid, there’s nothing your lawyer can do to help. No insurance company is going to pay a claim on a canceled policy.

But, if it’s denied for any of the other reasons, your attorney may be able to help.

How Can an Accident Attorney in San Diego Help?

Over the years, car accident attorneys in San Diego develop relationships with the insurance companies. They know how to get an insurance adjuster on the phone to discuss your claim. They may even know what tactics different companies use to delay or deny claims.

Your lawyer will try to negotiate with the insurance adjuster to get your claim approved. And, if he can’t get your whole claim approved, he may be able to settle your claim. As long as he can get you the compensation you deserve, he will do it.

There is no guarantee the insurance company will listen to reason. Your lawyer may have no choice but to file a lawsuit on your behalf.

Contact an Accident Lawyer in San Diego Today

If you’ve been injured in a car accident, you need to contact an accident lawyer in San Diego today. Your lawyer will work with the insurance company to get you paid. And, if all else fails, he’ll handle your lawsuit against the other driver.

Call and schedule your initial consultation today. It is absolutely free and gives you a chance to discuss your case with an experienced lawyer. He can let you know what your case may be worth. And remember – you pay nothing until you settle your case.