You’ve already been through a lot. You were in a car accident. Your car may be totaled. You probably suffered some injuries. You did what you were told and filed an car insurance claim. The next thing you know, the other driver’s insurance company denies your car accident claim.
Getting a letter that says your insurance claim is denied is very frustrating. You will be angry and confused. Rather than trying to resolve the matter yourself, you really should call a Phoenix car accident lawyer. They can fight the insurance company for you.
Car Insurance Claim Denied? Here’s Why.
There are several reasons why your car insurance claim may have been denied. Knowing this will not make you any less frustrated. However, once you know the reason, your attorney will know how to proceed.
Some of the reasons the other driver’s insurance company may deny your claim are:
- The policy was canceled or it lapsed
- The driver was not covered under the policy
- The driver had a suspended or revoked license
- The insurance company doesn’t believe the other driver is at fault
- The insurance company doesn’t believe you are injured
For the first three reasons, the insurance company has a legitimate reason to deny payment. In these situations, you may have to pursue the driver personally. Alternatively, your attorney can look to get your claim covered under your uninsured motorist’s insurance.
For the last two reasons, your attorney will challenge the insurance company. A lot of insurance companies deny legitimate claims. They may have a habit of denying claims. They want to see what the claimant does. Do they hire an attorney or do they just go away?
You Need a Phoenix Car Accident Lawyer
If your car insurance claim has been denied, you need a car accident lawyer to fight for you. He will contact the insurance company and find out why they denied your claim. He may tell you to file an appeal. This is one way to get the insurance company to re-evaluate your claim. Your lawyer may have to haggle with the insurance company on your behalf.
Regardless of the reason, you may have to take legal action. Your attorney may tell you to file a suit against the other driver. He may have you do this and pursue your car insurance claim against the insurance company. The reason for this could be due to the statute of limitations.
The statute of limitations for a legal claim in Arizona is two years. You need to protect your legal rights. If too much time goes by, you won’t be able to file a suit. There is also a time limit to file your car insurance claim. It is not set by statute. All insurance companies require that you file your claim within a reasonable amount of time. That time is usually a few days. You need to cover all your bases.
Phoenix Car Accident Lawyers Will Get You the Compensation you Deserve
If you do find out the other party didn’t have valid insurance, you will have a problem. Although Arizona does require all drivers to carry insurance, not everybody does. If you get into an accident with an uninsured motorist, your attorney will help you.
When you purchase car insurance, you have uninsured motorist’s insurance. The purpose of this coverage is to pay for damages caused by uninsured motorists. The problem is the coverage amounts for this are usually low. They only cover a small amount of personal property damage. The amount of coverage for injuries isn’t very high either.
Your attorney will seek to get the difference by filing a lawsuit. If someone injures you in an accident, they have to be accountable. If there are bills or damage not covered by insurance, your attorney may advise you to file a suit.
Contact a Phoenix Car Accident Lawyer
If you’ve been in a car accident, you need to contact a lawyer. The experienced car accident attorneys at Warnock MacKinlay can help. They have handed hundreds of personal injury cases. They know what it takes to get you compensation.
Your car accident lawyer will answer any questions you may have. He will let you know what the next steps need to be. He will negotiate with the insurance company for you and will try to settle your car insurance claim. Nobody wants to waste time and money on a trial. Both sides ideally want to settle the case.
Contact the offices of Warnock MacKinlay today to schedule your free initial consultation. You pay nothing until you win your case.