If you suffered injuries in a car accident in Pennsylvania or elsewhere recently, you probably expected the responsible party's insurance, if not your own, to take care of you. Unfortunately, you have found this not to be the case. If you are dealing with claims that an insurance company denied, you may feel there is nothing you can do to get the relief you need. The good news is, you do have options to fight for compensation.
When dealing with insurance companies, remember this: they are businesses that care about their bottom lines. The goal of most insurance companies is to collect a lot in premiums from their customers and pay very little out in claims. Right or wrong, it is how it works.
What to do if your claim does not receive approval
If you filed a claim and the insurance adjuster gets back to you saying that your request for compensation has not been approved you do not have to accept that answer. You have the right to appeal the decision. A formal appeals process is typically available that you can go through. It may be different for each insurance provider. Legal counsel can assist you through the appeals process and work toward negotiating a fair settlement offer.
Why claims may not receive approval
There are several reasons why an insurance provider may not approve a car accident claim. A few of them are as follows:
- The policy is no longer active
- The policy has specific exclusions that apply to your claim
- You failed to file a claim in the required time frame
Honestly, insurance providers will often look for any way possible to deny a claim or pay a victim as little as possible.
What happens if attempts to appeal or settle fail to produce desirable results?
If frequent attempts to work with an insurance provider to reach an agreeable settlement fail to produce desirable results, this is when litigation may be your best bet for seeking fair compensation for your losses. A denied claim is not the end of the world. It just means you will have to work harder to get the relief you believe is owed you.
If you think you have a case for compensation following a car accident, legal counsel can review the details of the event and assist you in pursuing damages even if insurance has already denied your claim. Most personal injury claims are settled out of court, but legal counsel can help you prepare if litigation becomes necessary.