Car accident claims can be a way to obtain financial assistance when you get injured because of the negligence of someone else. To pay medical expenses and car damages, you need to file a car accident claim with the insurance company or another party. If you want to get it approved, you must hire a car accident lawyer, who can educate you on your legal options. If you don’t file a claim with the help of a qualified attorney, you may lose your chance to get compensated.
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Why an auto insurance company denies your claim
Before filing a claim with an auto insurance company, you need to have the complete details of the grounds on which it can be denied. Some of the reasons are elaborated on below:
Your involvement in the accident
Many states do not offer compensation to the injured person if he was equally involved in the accident. In other states, he may be able to recover a lesser amount. Therefore, depending on the involvement in the accident, the auto insurance company may reject or approve the claim.
Your policy has lapsed
It is one of the most common reasons. Many people just buy the policy and keep it for years. If they have not used it for a long time, they may have forgotten about it if it has lapsed. That’s why you should read the terms and conditions of the policy before filing the claim.
Missed timelines
In case, you already have passed the deadlines to file a claim, your claim will get rejected. Every state has certain limitations of the statute when it comes to filing a car accident claim. You should contact an attorney to know more about these timelines. He can tell you whether you have time to file the claim or not.
The facts were not true
In case, you are trying to hide the facts from the insurance company, you should know that your claim will get rejected straightaway. The company has a number of professionals working with them. These experts work on your case and try to extract as much information as they can. If you have lied to the company or misrepresented the information, you will lose your chance to recover your losses.
To get the claim approved, you must hire a good car accident lawyer. He can review the facts and guide you on filing the claim in an accurate manner.
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