At first you thought there must have been a misunderstanding. The other driver made the mistake that caused your car accident. Maybe they even admitted it and received a ticket. But you just found out the at-fault driver’s insurance denied your claim. Now you’re confused, angry and wondering what you’re going to do.
You’re not out of options. Just because they denied your claim doesn’t mean you can’t still receive compensation. Let’s talk about what you can do and how we can help.
Ask for Documentation
An insurance company can’t just say, “Nope, we don’t want to pay you.” If they denied your claim, request they send you the rule, statute, or limitation that indicates their insured driver didn’t cause the accident or other proof that shows they’re not at fault.
Sometimes the at-fault driver’s insurance company denies claims because they hope you’ll give up. It could also happen when there’s not a police report and their driver lies about the event (which is why we counsel people to always, always call the police when there’s a car accident.) Other reasons insurance companies deny claims include:
- Policy exclusions – Some insurance policies have exclusions for “acts of God” like earthquakes, tornados, hail storms etc.
- Time frame issues – Insurance companies might say they’re denying your claim because they weren’t notified of the accident within a certain time frame.
- Lapses in coverage – If the uninsured didn’t pay their car insurance premiums, the insurance company can say they weren’t covered at the time of the accident.
Call Your Insurance Company
Most insurance companies have a process in place for appeals. If the at-fault driver’s insurance denied your claim, one option is to contact your insurance company and ask them how they can help. Sometimes they will pay your claim and pursue reimbursement from the other insurance company.
The problem is, insurance companies are businesses. Neither side wants to give up any money if they don’t have to. Even your own insurance company isn’t going to voluntarily pay any more for property damage or personal injury if they can avoid it.
Talk to a Texas Car Accident Attorney
Turn that frustration and anger into productive energy and talk to an attorney who specializes in car accidents. If the other driver was at fault, they should pay for the property damage and injury they caused and that’s all there is to it. Whether you’re dealing with a dented bumper or a totaled vehicle and serious, long-term injury, you shouldn’t have to pay for something you didn’t do.
Monsour Law Firm attorneys have years of experience fighting for car accident victims who deserve compensation for their injuries. We gather evidence from witnesses, law enforcement, police reports, medical experts, and other sources to support your claim. We care about the pain, suffering and mental anguish that resulted from your wreck, and we believe you deserve compensation for that too.
It doesn’t cost anything to talk to one of our attorneys. You’ll never pay a dime unless you receive a settlement. Schedule your free consultation today.
