Reasons Why an Insurance Company Might Deny Your Claim After a Car Accident

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Reasons Why an Insurance Company Might Deny Your Claim

After an auto accident, most people want to get the claim processed as quickly as possible so they can move on with their lives. Unfortunately, claims are denied for many, sometimes questionable, reasons.

Issues Regarding Liability

Issues related to legal liability are often why a claim is denied.  If you’re filing a claim against another driver’s policy, the company might claim that your actions  somehow contributed to the accident. Because Idaho is a comparative fault state, the insurance companies claim both drivers are at fault at times just to try an limit what they pay.  This can result in trouble getting claims approved.

You Failed to Seek Medical Treatment Immediately

Among the most important things you can do after any car accident is to seek immediate treatment for your injuries. Minor symptoms like a headache or dizziness often become more serious once the adrenaline rush from the accident wears off, but it’s easy for an insurance company to argue the injury was caused by something other than the auto accident if you fail to seek immediate medical attention.  You will also need medical records to document your injury in order to have your claim processed.

You Had a Preexisting Condition

Unfortunately, people with preexisting conditions sometimes have trouble getting their accident claims approved because it’s difficult to determine what issues are related to the accident and what problems were caused by something else. For example, if you have a history of back pain and your accident has caused additional back problems, the insurance company might dispute the extent that your current condition was caused by the motor vehicle accident in question.

Bad Faith Denials

When your claim is denied by your own company, you should be given an opportunity to revise and fix any problems. If you’re not given a chance to fix the claim, the company may be acting in bad faith. This means that it is not living up to its obligation to resolve your case under the terms of the insurance policy agreement. When you suspect a bad faith denial, enlisting the services of an experienced personal injury attorney to advocate for your interests is a must.

Hiring a Personal Injury Attorney

If you are having difficulty getting your insurance claim approved after a vehicle accident, consider seeking the assistance of a qualified personal injury attorney. The attorneys at Holzer Edwards are experienced in settling claims for both passengers and drivers. We have a team of attorneys that are dedicated to helping individuals and families receive the compensation they deserve. Please give us a call today at (208) 386-9119 or toll-free at (888) 490-0992 for a free consultation.

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