If you have been in an accident, chances are you made a claim with the negligent driver’s insurance company. After you made your claim, by submitting all of the evidence in your case, the adjuster either offered an amount to settle the claim or outright denied your claim. If you were offered a settlement, it is important to know that if you accepted what was offered, you may not come back later and ask for more. This is why it is beneficial to have a trained attorney handle negotiations on your behalf, so vital pieces of evidence are not overlooked and so that a thorough explanation of the consequences of settling a case can be explained. Remember that the insurance adjuster does not work for you, but for the insurance company. As such, the adjuster may not have your best interests in mind when offering a settlement but instead will make an offer that is in line with company guidelines and expectations.
If your claim was denied after a car accident here are the top three reasons why that decision was likely made:
- Dispute over liability: one of the most common reasons an insurance company will deny a claim after a car accident is over a dispute as to which driver is liable. Adjusters are prone to determine their insured did not cause the accident, thus there is no reason to pay the claim. But when you have a qualified attorney fighting for you, your chances of success are increased. If the adjuster still denies the claim presented by your attorney, you can file a lawsuit and ask the Court to determine liability.
- Lack of coverage: if the accident is not covered under the policy, the adjuster will deny the claim. Again, it is a good idea to have an attorney present your claim so questions about the policy can be analyzed by a legal professional and an argument in your favor made.
- Lapse in coverage: if the negligent driver has allowed their policy to lapse, the adjuster will not approve the claim. In this instance, it may be necessary to get creative and pursue other avenues of recovery. A knowledgeable attorney will explain your options to you so you are not left holding the bag for your own needs.
If you have been in an accident call us for help. We take pride in giving our clients quality representation and accurate legal advice. We know how to pursue a claim and work with you to make sure you are informed every step of the way.
If you have been in an accident, call the attorneys at Yetnikoff Law Offices, PLLC for help. Call us at 800-279-6331 or visit us online for more information.