10 Reasons why car insurance could deny your claim
Brandon J. Broderick, Personal Injury Attorney at Law
Nothing can ruin your day like getting into a car accident. Not only can you be injured in the accident, but your vehicle has sustained damage and needs to be repaired or replaced.
Car insurance is a requirement in every state, and is an essential part of owning a vehicle. However, there are a few reasons why car insurance could deny your claim and?tactics they may employ to devalue your claim.?Let's look at the reasons why this could happen.
1. Policyholder Negligence
Depending on what state you live in, if you are negligent, the car insurance company may deny your claim. Some reasons include driving too fast, running lights, or violating traffic laws. In no-fault car insurance states like New Jersey and New York, your own insurance coverage pays for injuries as a result of a car accident, regardless of fault.
The insurance company may deny your claim if your driver's license is expired or revoked or if an?uninsured driver was allowed to drive the vehicle. All of these things usually violate the policy.
2. Driving Under the Influence
Driving under the influence?is another form of negligence. The insurance company will likely deny your claim if you're driving under the influence of alcohol or drugs.?
Your claim will be rejected, and you'll run a risk of having your insurance policy canceled and your rates increased.?
3. No Medical Treatment after the Accident
If injured in an accident, seek medical attention as soon as possible. If you put it off a day or so, the insurance company may deny or devalue your medical claim, questioning any injuries related to the accident.?
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Keep all medical documents received from the hospital as proof for the insurance company. Even if you?delay medical care because symptoms appeared after the accident, you may still be eligible for compensation for your injuries.
4. The Other Driver Caused the Accident
If the other driver was at fault, most insurers will pay your bills and collect from the other driver's insurance company. Unfortunately, some insurance companies will deny your claim if the other driver who caused the accident doesn't have insurance or if you were involved in a hit-and-run.?
Your insurer may deny your claim in a hit-and-run if there is little to no evidence that another driver was involved. The insurance company may deny the claim initially until they investigate further.?
To avoid this, make sure you call the police right?after you're involved in an accident, especially a hit-and-run. Try to take photos of the other driver while leaving or before they leave the scene. Finally, if there are any witnesses, ask if they will provide statements to the police and the insurance company.
5. No Proof of an Accident
The insurance company may deny your claim if there's no evidence of an accident. Provide proof with pictures, witness statements, and police reports.?
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