What Can I do if the Insurance Company Denied My Claim
Written by Greg on February 3, 2020
Accidents are often traumatic, and as a victim, you may go through days, weeks, or even months of medical treatment and rehabilitation. As painful as vehicle accident injuries are, an even more frustrating experience can be dealing with the insurance company to receive the money you are owed for your claim. Insurance companies are working in their own best interest, and they may reduce your claim or deny payment altogether. It is essential to realize that the insurance company is not protecting your rights. Instead, they often try to minimize your injuries or participate in other acts that will reduce your compensation.
Working with Insurance Companies
The insurance company will assign an adjuster to work on the claim. The adjuster will take statements about the accident from both drivers and will review the accident report. In addition, the adjuster will evaluate your injuries and medical bills. The insurance company will often try to try to reduce or deny your claim. The adjuster may determine that you had prior injuries or that the accident did not cause your medical problems. The company may find you at fault for all or a portion of the auto accident, which will reduce your compensation. The adjuster may disagree with the medical findings or may decide that your injuries are less severe than you claim. These issues can make negotiating with the insurance company more complicated.
How Long Should an Insurance Claim Take?
The time it takes to resolve an insurance claim can vary greatly based on various factors. The insurance company typically wants to resolve the matter quickly, but only when they can get a result favorable to them. A typical claim could take several weeks to several months to complete. This process can be difficult and stressful. Is it helpful to have your attorney handle the negotiation process. This can cause a streamlined settlement process. If a fair settlement cannot be reached, the matter will need to go to court.
What to do if the Insurance Company Denied Your Claim
If the insurance company denied your claim, or issued you a settlement that is less than you feel is required, there are steps you can take. Do not sign a release or cash a settlement check until you speak to an attorney. When you do so, you may waive your right to take any further legal action. Your attorney will review the details of the accident and work with the insurance company to negotiate a settlement. Sometimes, further medical documentation or testimony from a medical expert is necessary to prove injuries. Sometimes accident reconstruction will prove how the crash occurred and show that the other driver was negligent. Your lawyer will send the insurance company a demand package. If the insurance company does not agree, you may sue.
Working with insurance companies can be difficult and stressful. You can get the best results when you count on help from an experienced Houston accident attorney. Contact Baumgartner Law Firm for a free consultation to discuss the details of your accident. Call (281) 587-1111.