What Are Your Options if the Insurance Company Denies Your Claim?
Car accidents can be both painful and traumatic. As a victim, you may go through days, weeks, or even months of medical treatment and rehab to work through the injuries sustained because of the accident. What is even more frustrating is dealing with insurance companies to receive the money owed to you for your claim. Insurance companies are always looking out for the company’s best interest, so it is possible that they may reduce your claim or even deny payment altogether.
Knowing Ins and Outs of the Insurance Company
Assigning an Adjuster
Most, if not all, insurance companies will assign an adjuster to work on your claim. The adjuster will ask for a recorded statement from both drivers and review the accident report. In addition to this, adjusters will review any medical bills and injuries that you claim to have suffered because of the accident. At this point, it is important to note that the adjuster ultimately works for the betterment of the insurance company, not you. They will try their best to handle the case in their favor which should not make their company in disadvantage mode.
Reduce or Deny Your Injury Claim
The insurance company will often try to either reduce or deny your injury claim by determining you had injuries prior to the accident, finding you at fault for a portion of the accident, or simply disagreeing with the medical findings.
We have an entire article dedicated to how Insurance companies plan their negotiations and some of their techniques that people need to be aware of.
Time It Takes to Settle Your Claim
The time it takes to settle your claim can vary. The hope of both your lawyer and the insurance company is to settle your claim quickly, but of course, the insurance company is going to try to settle as cheap as possible. The process as a whole can be both difficult and stressful. It is important to let your lawyer handle the negotiation process.
Contact an Experienced Houston Car Accident Attorney
If your claim is denied or the insurance company tries to issue a settlement that is less than what you feel is required to handle bills, do not accept the check or sign anything until you speak with your attorney. Your lawyer can do accident reconstructions and take a deeper look into your medical bills. Your lawyer may also send a demand letter, and at that point, if the insurance company does not want to cooperate, you may sue.
The fact is that people who hire experienced car accident attorneys get more money for their claims than those who don’t. Insurance Research Council says those who hire council to work on their claim receive up to 40% more for their car accident claims. Set up a free consultation with a car accident lawyer at Pusch & Nguyen Law Firm by calling (713) 524-8139 or by going online. They’ll give you all of your legal options to allow you the chance to choose how you would want to continue.