The car owner that has purchased an automobile insurance policy has paid for protection, in the form of legal help and monetary compensation. Suppose, however, that such protection was denied; what could the policyholder do in that situation?
Possible reasons for an insurance company’s refusal to pay for reported damages
The expenses created by the damage exceed the cap, which has been stated in the purchased policy. The situation surrounding the accident’s occurrence belongs on a list of exceptions to the qualified circumstances.
No documentation of the claimant’s medical condition, such as mention in a medical record. The insurance company is skeptical about the reported severity of the claimant’s injury.
Recommended actions for the policyholder that has become the target of a denial.
Ask for an explanation, one that should give the reason for the insurance company’s action. Insurance companies tend make a habit of denying claims, without providing a satisfactory explanation for their refusal to pay.
Review the policy issued by the insurance company. Check to see if the policy’s terms agree with the explanation given for the insurance company’s refusal to pay. Keep a pencil and paper by the phone. Take notes when speaking with any employee in the insurance company.
Save all text messages and all emails. Save all the bills from doctors and testing facilities. Go online and get the name of the state agency that handles complaints about insurance companies. File a complaint with that designated agency.
If there is no satisfactory response to your complaint, hire a lawyer and proceed with the filing of a lawsuit. Policyholders have the right to sue an insurance company, if that same company has violated the terms of a contract.
Actions to be avoided by smart policyholders
Failing to save the document with the terms of a purchased automobile insurance policy.
Failing to visit a doctor, clinic or hospital emergency room within 24 hours of a reported accident.
Demonstrating annoyance or impatience, when calling an insurance company, in order to learn the reason for a refusal to accept a given claim.
Channel any emotions into a persistent search for a way to change the mind of the adjuster or the insurer.
Failing to keep track of what was said or written during any interaction that related to the effort to change the mind of an adjuster or insurer.
Not seeking the services of a personal injury lawyer in Grande Prairie. A lawyer’s review of the relevant insurance policy might aid the uncovering of an overlooked explanation for the insurer’s decision.
Not supplementing a medical record with a journal or diary, one that could contain information about the frequency and length of any ongoing sensations of pain. Going online to share photographs of activities can be detrimental to your claim.
That is why it helps to take the assistance of BILAB Personal Injury Lawyer today, if you or a loved one has been injured in the accident. Call us today.