Often, people involved in car crashes assume that their auto insurance claim will be approved. They may be counting on this money to pay medical bills, cover damages or take care of other expenses. Unfortunately, this is not always the case, and sometimes insurance claims are denied. This can happen for a variety of reasons, but it’s important to understand why denial happened and where to go from here.
If you’ve had a car insurance claim denied in Tampa, FL, you’re probably feeling confused and wondering what your next steps are. First, let’s consider some possible reasons for denial.
Medical considerations
You need to have medical records demonstrating that you suffered an injury in the crash that has resulted in pain. Without these records in hand, it’s possible your claim will be denied.
It’s also possible that claim could be denied if you did not receive treatment as a direct result of the car wreck. That’s why it’s important to seek medical treatment right after an accident, even if you feel completely fine. The reality is that many conditions following a car crash—whiplash being a common example—may not surface until days or even weeks following the trauma.
You will have a much stronger case for an insurance claim if you immediately seek medical treatment and can document that the accident caused an injury. This will ensure that you’re not viewed as someone attempting to commit insurance fraud and have a legitimate claim to seek damages.
The crash could have been avoided
If you did something that may have led to or been a direct cause of the accident, the insurer may deny your claim. This is particularly the case if you acted in a negligent manner, such as driving recklessly or while drunk. In these situations, your policy may be deemed ineffective.
You may want to seek legal counsel if your claim was denied because the insurer believes you’re at fault. The insurance company is looking out for its own interests and may find any excuse to decline paying out a claim. In many car accidents, it’s not 100 percent clear who’s at fault, but your insurance policy should cover reasonable expenses.
Pre-existing conditions
If you already had an injury or pain management problem, it’s possible that the insurer will deny your claim. However, if this problem became worse due to the accident, you should be able to gain some compensation. This is a case-by-case situation, and many factors will come into play.
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