{"id":5827,"date":"2022-01-22T09:00:06","date_gmt":"2022-01-22T17:00:06","guid":{"rendered":"https:\/\/bennerlawfirm.com\/?p=5827"},"modified":"2022-01-27T07:39:59","modified_gmt":"2022-01-27T15:39:59","slug":"car-insurance-claim-denied-what-to-do","status":"publish","type":"post","link":"https:\/\/bennerlawfirm.com\/car-insurance-claim-denied-what-to-do\/","title":{"rendered":"Car Insurance Claim Got Denied? Here\u2019s Why and Here\u2019s What to Do."},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"What_To_Do_if_Your_Car_Insurance_Claim_Gets_Denied\"><\/span><strong>What To Do if Your Car Insurance Claim Gets Denied<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-6629c6ca3986f\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6629c6ca3986f\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bennerlawfirm.com\/car-insurance-claim-denied-what-to-do\/#What_To_Do_if_Your_Car_Insurance_Claim_Gets_Denied\" title=\"What To Do if Your Car Insurance Claim Gets Denied\">What To Do if Your Car Insurance Claim Gets Denied<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bennerlawfirm.com\/car-insurance-claim-denied-what-to-do\/#What_is_a_Car_Insurance_Claim\" title=\"What is a Car Insurance Claim?\">What is a Car Insurance Claim?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bennerlawfirm.com\/car-insurance-claim-denied-what-to-do\/#Car_Insurance_Claims_Dos_and_Donts\" title=\"Car Insurance Claims Dos and Don\u2019ts\">Car Insurance Claims Dos and Don\u2019ts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bennerlawfirm.com\/car-insurance-claim-denied-what-to-do\/#Car_Insurance_Claim_Denials\" title=\"Car Insurance Claim Denials\">Car Insurance Claim Denials<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bennerlawfirm.com\/car-insurance-claim-denied-what-to-do\/#What_To_Do_In_Case_Your_Claims_Get_Denied\" title=\"What To Do In Case Your Claims Get Denied\">What To Do In Case Your Claims Get Denied<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bennerlawfirm.com\/car-insurance-claim-denied-what-to-do\/#Seek_Legal_Help\" title=\"Seek Legal Help\">Seek Legal Help<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><span style=\"font-weight: 400;\">Time and again we\u2019ve been told to get car insurance and we hope that we never have to file a claim. Unfortunately, accidents are unforeseeable events and we find ourselves tangled up in an insurance situation we wish we never were in in the first place. Preparing for the worst is always the best solution to accidents, which is why it is important to know what steps to take and how to navigate the car accident claims system when you find yourself in a vehicular accident.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Car insurance exists in order to provide us coverage and help minimize the costs in an accident, like medical bills or property damage. Filing car accident claims is the first step after having gotten into an accident. This is done usually to settle matters between parties so that the case would never have to go to court. While we would like to imagine that all things would be smooth sailing, sometimes car accident claims do get denied.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Learn what you should do if you find your car insurance claim denied and find out the typical reasons why insurance companies deny a claim. Be mindful of the do\u2019s and don&#8217;ts of road accidents to avoid any hassles along the way. Getting into an accident is tough enough, adding rejections and misunderstandings into the mix can get you in a tricky situation.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Seek the guidance and representation of an <\/span><a href=\"https:\/\/bennerlawfirm.com\/\"><span style=\"font-weight: 400;\">experienced San Diego personal injury lawyer<\/span><\/a><span style=\"font-weight: 400;\">. The personal injury lawyer can guide you through the ins and outs of personal injury law, explain insurance policy concepts to you, and ensure that you get maximum compensation to restore your quality of living.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_Car_Insurance_Claim\"><\/span><strong>What is a Car Insurance Claim?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-5833\" title=\"car accident claims\" src=\"https:\/\/bennerlawfirm.com\/wp-content\/uploads\/2022\/01\/car-accident-claims-300x200.webp\" alt=\"car accident claims\" width=\"400\" height=\"267\" srcset=\"https:\/\/bennerlawfirm.com\/wp-content\/uploads\/2022\/01\/car-accident-claims-300x200.webp 300w, https:\/\/bennerlawfirm.com\/wp-content\/uploads\/2022\/01\/car-accident-claims-768x512.webp 768w, https:\/\/bennerlawfirm.com\/wp-content\/uploads\/2022\/01\/car-accident-claims.webp 1024w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Before <a href=\"\/is-your-car-accident-claim-going-to-settle\/\">getting into the details of car accident claims<\/a> getting denied, first you must understand what a car insurance claim is. A car insurance claim is filed by individuals involved in an automobile accident to help settle damages with an insurer, thus avoiding elevating the case to court. The process can get quite complicated which is why it is essential to always maintain proper communication with insurance companies when filing car insurance claims.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you find yourself in a <a href=\"\/car-accidents\/\">car accident<\/a>, remember to call your insurance agent to inform them of the incident. Even as you are sorting the accident or headed to the hospital, it is advisable to put calling your agent at the top of your list. Evidence is key when filing a claim so remember to take pictures on the scene and keep any kind of evidence such as receipts and documents. Being honest goes a long way when filing insurance claims so be truthful at all times, especially when recounting the incident. Your statements go a long way and if found fraudulent, you can find your claim getting denied.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As with any other agreement, take time to digest the coverage\u2019s terms and conditions. Take note of anything that could sound complicated to you, such as replacement coverage and depreciated or actual cash value. Replacement coverage requires replacement of lost or damaged items before getting full compensation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Talk to a legal professional who is well-versed in<\/span><a href=\"https:\/\/bennerlawfirm.com\/personal-injury\/\"><span style=\"font-weight: 400;\"> personal injury law<\/span><\/a><span style=\"font-weight: 400;\"> if some terms are unclear to you. The goal is to get compensation and restore your quality of living. Otherwise, a few mishaps could jeopardize your chances. It\u2019s better to be safe than sorry, so consult with an experienced personal injury lawyer now.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Car_Insurance_Claims_Dos_and_Donts\"><\/span><strong>Car Insurance Claims Dos and Don\u2019ts<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you\u2019ve already familiarized yourself with the things to do on the road once you\u2019ve gotten into an accident and filing car accident claims, remember these key actions to avoid when filing. When filing car accident claims, refrain from giving any recorded or written statements until you\u2019ve fully understood the coverage. Do not accept appraisals of losses that the insurer gives as you could be susceptible to low balling.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Do not sign releases and contracts without sound legal advice. Remember to seek the advice of a personal injury attorney whenever you find yourself dealing with documents you don\u2019t understand and are required to sign. Navigating car accident claims can be tricky and without proper guidance from an attorney, you could find yourself in an inadequate settlement. Also, do not accept final payment checks until you are ready. Policies have time limits, so it is best to be mindful of these. Call your personal injury attorney if 11 months have passed and your car accident claim has not been settled. You could lose your right to sue if this happens.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Car insurance policies can be quite hard to decipher. It isn\u2019t advisable to handle it alone, especially if you aren\u2019t that well versed in it. Seek the help of experienced San Diego personal injury attorneys to help you figure out the best plan of action regarding your car accident policy to avoid any hassles and misunderstandings.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Car_Insurance_Claim_Denials\"><\/span><strong>Car Insurance Claim Denials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Getting into an accident alone can be incredibly frustrating, but nothing adds salt to the wound unlike finding out that your car accident claim has been denied. When we purchase car insurance, we usually hope that we never ever have to file a claim and once we have, there is an expectation for it to pay off. But sometimes, for whatever reason, claims can get denied.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Learn the top reasons why car accident claims get denied and avoid making these mistakes to ensure that the\u00a0 filing process is a smooth sailing one so you can sort the accident out and get back to recovering and living life.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">One of the top reasons why car insurance claims get denied are the policy limits. Most insurance policies have a limit and if your claim is higher than the coverage limit, the company can deny it. Companies also deny depending on the policy coverage. While there are lots of kinds of coverages, you can only file for one. For example, if you have a comprehensive coverage policy that covers damages such as vandalism and you find yourself in a collision, then your coverage would be denied as this isn\u2019t the policy you have.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Other reasons for having your car accident claims denied is a violation of traffic laws. If you have been found guilty of driving without a license or intoxicated, your claim could also be denied even if you have adequate coverage. If you also fail to <a href=\"\/top-5-things-you-need-to-do-immediately-after-an-accident\/\">immediately report an accident<\/a>, not seeking medical attention, and providing fraudulent information, you could also find your claims denied.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you find yourself in a complicated accident claims situation, it is best to consult with a personal injury attorney to help sort things out. Seeking rightful legal advice can help steer you into the right direction and take steps to get your policy approved.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_To_Do_In_Case_Your_Claims_Get_Denied\"><\/span><strong>What To Do In Case Your Claims Get Denied<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you find that your claims get denied, contact your state\u2019s insurance department or seek the assistance of a lawyer. Report the claim and collect details from the other driver partnered with accident evidence in the form of pictures. File a claim within your own company and not with the other driver\u2019s insurer. Be sure as well to have detailed estimates for a more favorable claim outcome. Ask from expert mechanics on parts prices.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Seek_Legal_Help\"><\/span><strong>Seek Legal Help<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Dealing with and figuring out car accident policies can be quite complicated. You can find yourself settling for less than what you deserve or sometimes have your claims declined. If you\u2019re dealing with car accident policy complications, <\/span><a href=\"https:\/\/bennerlawfirm.com\/contact\/\"><span style=\"font-weight: 400;\">contact Benner Law Firm<\/span><\/a><span style=\"font-weight: 400;\"> at <strong><a href=\"tel:6195053935\">(619) 505-3935<\/a><\/strong> and get in touch with a personal injury attorney to help smoothen problems out. Schedule an appointment now and get the compensation you deserve.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What To Do if Your Car Insurance Claim Gets Denied Time and again we&rsquo;ve been told to get car insurance and we hope that we never have to file a claim. Unfortunately, accidents are unforeseeable events and we find ourselves tangled up in an insurance situation we wish we never were in in the first [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5833,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[52],"tags":[],"_links":{"self":[{"href":"https:\/\/bennerlawfirm.com\/wp-json\/wp\/v2\/posts\/5827"}],"collection":[{"href":"https:\/\/bennerlawfirm.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bennerlawfirm.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bennerlawfirm.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bennerlawfirm.com\/wp-json\/wp\/v2\/comments?post=5827"}],"version-history":[{"count":4,"href":"https:\/\/bennerlawfirm.com\/wp-json\/wp\/v2\/posts\/5827\/revisions"}],"predecessor-version":[{"id":5834,"href":"https:\/\/bennerlawfirm.com\/wp-json\/wp\/v2\/posts\/5827\/revisions\/5834"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bennerlawfirm.com\/wp-json\/wp\/v2\/media\/5833"}],"wp:attachment":[{"href":"https:\/\/bennerlawfirm.com\/wp-json\/wp\/v2\/media?parent=5827"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bennerlawfirm.com\/wp-json\/wp\/v2\/categories?post=5827"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bennerlawfirm.com\/wp-json\/wp\/v2\/tags?post=5827"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}