You expect your insurance to cover any injuries and expenses resulting from a car accident. That's why insurance exists, right? But this isn’t always the case. Sometimes, insurance claims after a car accident result in a denial.
Learn How Insurance Works
With the expectation that you will be able to recover some of your monthly premiums in the event of an injury, you pay your monthly premiums. If you have only the minimum amount of insurance, it is possible to be disappointed by the outcome of your claim. It is important to fully understand your coverage and how claims work.
Driving a car in America is commonplace. All states require minimum liability insurance. It's important to learn how to communicate with your insurer after an accident. Notifying your insurance company immediately after an accident is a good idea. You can delay processing your claim by notifying the right parties.
Your agent should be able help you understand the claims process. If you have any questions regarding the laws that govern insurance claims, you can contact the top car accident lawyer in Miami to address your concerns.
There are many reasons why a claim is denied
Insurance companies will sometimes deny claims that are made after an accident. If they decide to deny your claim, the claims adjuster will send you a report outlining their reasons. These are some of the most common reasons why a claim may be denied:
- Your policy may have limits. There is a maximum amount that an insurance policy can pay on a claim. Your maximum limit could be lower than the amount of your claim. If this happens, your insurance company may deny your claim. You could also be held responsible for the difference between your limit or the amount of your claim if you are at fault.
- Your policy's coverage type. The minimum coverage required by states is usually the minimum. However, if you have less than that, you may not be adequately covered. If you don’t have collision insurance, and you are involved in an accident with another vehicle, you will be responsible to repair your vehicle and pay for any medical bills.
- You ignore the rules of the road. Your insurance company may deny you a claim if you drove illegally.
Although insurance companies may deny claims for other reasons, these are the most common.
Sometimes the insurance company will deny your claim without giving a reason. This is known as a "bad faith denial". You have the right of appeal if this happens or any other denial.
You might think about hiring a Miami car accident lawyer to represent you if you are unable to appeal the decision of the insurance company. After reviewing your evidence and documentation from the accident, the lawyer will contact the insurance company to request a reason for denial.
It is important to protect yourself and not ignore how insurance claims work if you have been in a car accident. Insurance doesn't guarantee approval of your claim. Multiple reasons can lead to insurance companies denying claims. For more information about Florida's laws regarding accidents and appeals, contact the top car accident lawyer in Miami. They will help you understand the laws governing fault and no-fault and how they can apply to your specific situation.