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Everything You Need To Know To Avoid Insurance Claim Denial

Everything You Need To Know To Avoid Insurance Claim Denial

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Miller Tourtlotte Law

May 29, 2021

car insurance claim denial attorney billingsDo you know someone that has had a car insurance claim denied? Have you heard horror stories of people who have paid their car insurance every month and still had to deal with the car insurance company denying a claim? It is truly a nightmare for victims of automobile accidents to deal with and oftentimes, the only way to get the help that you need is by consulting with and hiring an attorney that specializes in car insurance claims and dealing with the insurance companies to make sure you get the compensation you deserve.

Car insurance companies will deny claims for many reasons – and many of those reasons are avoidable. Working with an experienced lawyer like those at Miller Tourtlotte Law Firm in Billings, Montana can ensure that your car insurance claim is handled correctly. Avoid small mistakes that can easily get your claim denied by reaching out to us here.

Reasons For Car Insurance Claim Denial

Your car insurance claim may be denied for a number of reasons – here are some of the most common:

  1. Errors In The Way The Claim Is Filled Out & Filed – Filing a car insurance claim can be a complicated process. There are many steps to follow, deadlines, and everything should happen in a particular order. The paperwork itself can get messy and hard to complete if you don’t have experience in filing these types of claims. Filing a claim erroneously can cost you the compensation that you are rightfully owed. By hiring an attorney who files claims and works with insurance companies regularly, you can guarantee that the filing process will be error-free and completed to meet designated time-frames.
  2. Reporting The Claim Too Late – When filing an auto insurance claim, time plays a crucial role. Many people lose out on auto insurance benefits because they did not take immediate action after the accident happened and reported the claim. Insurance policies are specific about the time frame in which an accident must be reported. Don’t take any chances. Report any type of automobile accident immediately after the accident has happened.
  3. Failing To Meet Medical Requirements – Seeking immediate medical attention after an accident is another component that can help you win your claim. Your car insurance claim needs to provide documentation and proof of the damage that occurred due to an accident. Without seeking medical attention right away, your claim may not provide the proof necessary to win your claim. Immediate medical attention is necessary for treating injuries and preventing further injury. Medical records are an astounding benefit to you when filing an insurance claim, without proof of immediate medical treatment, the insurance company could deny your claim completely.
  4. Type Of Insurance Coverage – Do you know what type of coverage you have under your policy? Many car insurance claims are denied because the policy does not provide the type of coverage that the victim is seeking. If your claim exceeds your coverage, your claim is going to be denied. Be sure you understand what is included in your coverage before an accident happens.

Avoid Insurance Claim Denial By Contacting An Attorney

There are several reasons why car insurance claim denial might happen and it is completely unavoidable. Driving under the influence of drugs or alcohol, not following the laws of the road, or being negligent while driving can all cause an insurance claim to be denied. However, when denial can be avoided or disputed, take immediate action by reaching out to the professional automobile accident lawyers at Miller Tourtlotte Law Firm in Billings!

  • Make sure to keep full and accurate records and documentation of the accident. This includes photos, medical records, police reports, and anything else that seems valuable or provides detailed information about the who, what, when, where, why and how’s of the accident.
  • Don’t wait to take action. Report the accident immediately. Go to the doctor right away.
  • Immediately following an accident that you plan to file a claim for, consult with an experienced attorney who can help you determine what damages you are rightfully entitled to compensation for. As an automobile accident victim, you have a right to a fair claims process, and hiring an automobile accident lawyer can help you avoid annoyances and delays and reach your end result faster. If you find yourself in a settlement situation, a lawyer can negotiate the terms on your behalf and make sure that you are fairly compensated.

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