When an insurance company denies your car accident claim, you have every right to take them to court and file a lawsuit. However, it’s advisable that you hire a car accident lawyer near you to help you with your case. This is because, by the time an insurance company denies your claim, they already have enough evidence that supports their reasons for denying your claim.
Through the help of a Fall River car accident attorney, the investigator may be open to negotiation. Keep in mind that insurance companies do not have your best interests at heart. They will try everything to lowball you or to make you let your claim go.
Below are some of the strategies you can use to handle an insurance company if they deny your claim.
Don’t Get Emotional
It’s natural to get angry when an insurer denies your claim. However, lashing out at the insurer and getting emotional does nothing to help your case. Insurance companies regularly deny claims so they have experienced all sorts of reactions from their clients.
Insurance adjusters usually avoid interacting with angry clients and will most likely stick to their decision unless you engage the services of a Fall River car accident lawyer. Once you engage the services of a lawyer, the insurer will most likely change their minds and be open to negotiation.
Insurance Companies are Happy When You Don’t Fight Back
Any injury, no matter how minor it is, requires some form of treatment. If the treatment doesn’t cost a lot of money, your insurer will pay it without making you jump through hoops. However, if your injuries are severe and you require extensive treatment which costs thousands or even millions of dollars, insurance companies will deny your claim or at the very least delay it.
Severe injuries will cause you to miss work and this means you will incur lost wages. As a result, you won’t be able to afford your medical bills and other living expenses. Insurance companies are aware of this and will therefore repeatedly postpone your claim. They do this in an effort to deter you from pursuing your claim or to coax you into accepting a settlement amount that is way less than you deserve.
Hiring a car accident attorney in Fall River, on the other hand, will help reduce your stress by dealing with the insurance company. Not only will your attorney protect your rights but they are also aware of the tactics that insurers use.
Find Out Why the Insurance Company Denied Your Claim
You should always ask your insurer why they denied your claim and make sure they give you the information in writing. They should send a letter to you explaining the reason behind their claim denial.
In most cases, the letter will contain a lot of insurance jargon and complex legal phrases. A car accident attorney will help understand what the letter says. Insurance companies under Massachusetts law are obligated to:
- Adhere to the proper standards of claims investigation
- Only deny a claim after a reasonable investigation has been done
- Act promptly and acknowledge communication.
Some of the reasons why an insurer might reject your claim include:
Your policy doesn’t cover the circumstances, date, car, time, and other requirements outlined in your policy.
- Your policy was canceled or expired
- You failed to cooperate with the investigation
- Your claim seems fraudulent
- You delayed the initial claim report and this jeopardized the investigation
Contact a Fall River Car Accident Attorney to Solve Your Insurance Problems
If you are severely injured following a car accident, you will likely be handled by several professionals. You will receive treatment from a doctor, you will speak to a law enforcement agent and you might also have to talk to a therapist. These are just some of the professionals that you will have to interact with because you require specialized knowledge in order to recover from your injuries.
Why therefore would you overlook hiring an experienced Fall River car accident attorney to help you with your case? Insurance companies know that most people do not know how much their claim is worth unless they talk to a lawyer.
A lawyer can help you gather all the information that you need to prove your claim and protect your rights at the same time. Contact us today by calling 508-676-0001 to schedule your free initial consultation.
