Some Reasons Why Car Insurance Claims Are Often Denied and How to Avoid It?



Most people trust their insurance companies to handle the “compensation” for them, following a car accident. However, this is rarely the case. It does not happen “just like that”. To receive compensation for your damages or to have the other party compensated for the injuries you inflicted on them, the insurance company has to be properly informed. And even then, the insurance company may choose not to help. After all, they are not your friends.

 If you have been in a car accident recently, you will most likely try and file a claim to receive compensation for your damages. But what if your initial claim is denied? Why are claims denied and how often it happens?

 Here is everything that you need to know bout car accident claims, and how to avoid getting yours denied.

Obvious Reasons 

If the accident could have been prevented, the insurance company will use it against you. Every detail that proves or leads to a fact or evidence that you could have avoided the accident will render your coverage ineffective. That is just how things work. Even if you did something that may have led to the crash, your initial claim will get denied. 

 But do not worry; if you contact car accident attorneys in Los Angeles today, with their help, you will be able to file an appeal. Having an attorney will give you a huge advantage over the decisions made by the insurer.

Missing The Statute of Limitations

Every state has a time limit within which you have to file a claim following an accident. In California, you have two years since the accident to file a claim. Miss the deadline, and you will not be able to file a claim for that particular accident.

You Failed To Receive Treatment Right Away 

If you believe that your injuries are not serious after the accident, you may want to avoid getting treated and checked by a medical professional. However, that is about the worst thing that you can do for your case. The insurer will use it against you, saying that you did not suffer any injuries since you did not visit the hospital. And even if your injuries start developing days or weeks after the accident, it will be too late. 

The only way to prevent that from happening is to visit a doctor right away. Handling the aftermath of the accident is as important as everything that follows. With that being said, the things that you should do right after the accident are:

  • Taking photos of the scene
  • Taking information about the accident (location, time, date, who was involved, license plates, insurance information, names of witnesses and their contacts)
  • Calling the police
  • Going to the hospital
  • Calling your attorney
For more information, feel free to schedule a free consultation with Los Angeles car accident attorneys. Contact their available attorneys will help evaluate your case and provide you with all the information that you need.
Location: Los Angeles, CA, USA

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