After a car accident, you may file a claim with the appropriate insurance company. However, if an insurer denies your claim, you may ask, “What can I do if the car insurance won’t pay my claim?” Fortunately, you still have options if an insurer denies liability for your claim. An experienced car accident lawyer can help you identify who is financially liable and pursue full compensation.
At Sam & Ash Injury Law, we believe you deserve What’s Right. If an insurer refuses to pay your claim, contact Sam & Ash Injury Law for a free initial case evaluation. Learn about your legal options and what to do if car insurance denies a claim for your vehicle damage and injuries.
Review Why the Insurance Company Rejected the Claim
When you receive a denial notice from the insurance company after submitting a car accident claim, review the notice to confirm the insurer’s stated grounds for denying the claim. Understanding why the insurance company denied your claim will help you determine a strategy for contesting the denial. The denial notice advises you on additional evidence you may need to submit. Common reasons for claim denials include:
Common reasons for denials include:
- The insurance company has denied its policyholder’s liability for the accident
- The insurance company has found you at fault for the accident
- You committed a traffic violation during the accident
- You failed to report the crash to the authorities
- The applicable policy has lapsed
- You failed to file your claim within the deadline set by the policy
- Other claimants have exhausted the applicable coverage
- Your claim falls within a policy exclusion
The denial letter will inform you of your options for contesting the denial and the deadline for exercising your options to appeal the decision.
Hire an Attorney
Suppose another driver’s insurance company has denied your car accident claim. Have a knowledgeable Las Vegas car accident lawyer review the decision and discuss whether filing an appeal is in order. An experienced attorney can help you pursue your car insurance claim.
- Reviewing the insurance company’s denial letter and correspondence to clarify the reasons for the claim denial
- Gathering additional information or documents needed to support your claim if you appeal the insurer’s denial
- Drafting a demand letter to continue pursuing compensation from the insurance company
- Communicating with insurance company representatives to protect you from insurer tactics designed to undermine the strength of your claim
- Ensuring you pursue your appeal within the time allowed
- Keep track of the statute of limitations for filing a personal injury lawsuit if necessary
Draft an Appeal Letter or Request an Internal Review
Most insurance companies will offer the option to request an internal review or appeal after the insurer has denied a claim. Some insurers allow you to submit additional documents or information to the adjuster who initially reviewed and denied your claim. Other insurers will enable you to request a different adjuster to review your claim and consider additional information.
In an appeal letter, your attorney can address each of the grounds for denying your claim cited in the insurance company’s denial notice. Failing to provide evidence to challenge each reason identified by the insurance company allows the insurance company to deny your claim again on the uncontested ground.
File a Car Accident Lawsuit
Suppose you have exhausted the appeals process, and the insurance company representing the at-fault driver in a car accident still disputes liability. A knowledgeable personal injury attorney can file a lawsuit and ask the court to compel the insurance company to compensate you for your medical bills, lost income, and damaged vehicle.
At Sam & Ash Injury Law, we successfully settle many car accident cases after filing a lawsuit.
File a Complaint With the Nevada Division of Insurance
If an insurance company has denied your accident claim in bad faith, you may have a right to file a complaint with the Nevada Division of Insurance. Circumstances under which the Division can help you with a complaint include:
- Illegal cancellation or nonrenewal of a policy
- Unreasonable delays in the insurance company’s investigation and responses to your claim
- Misrepresentations concerning the terms of a car insurance policy, the policy limits, or the availability of coverage
- Successive demands for more information/documentation by the insurance company
- Denial of your claim without investigation
- Denying a claim without citing evidence or policy terms to support the denial
- Disputes over the medical necessity of treatment or denials of emergency/urgent medical treatment
When a consumer complaint with the Nevada Division of Insurance has failed to convince the insurance company to reverse its denial of your claim, you may need to file a breach of contract or bad faith insurance claim against the insurer. A bad faith lawsuit will require you to prove that the insurance company has either breached the contractual obligations by denying your claim without justification or acted in bad faith in processing your claim.
After a denied claim, the best approach is to have a car accident lawyer review the facts of the collision, determine who was at fault, and discuss your legal options for resolving the claim.
Get In Contact With Our Car Accident Lawyers
If you’ve been in a car accident and the insurance company has refused to compensate you for your injuries and losses, get the legal help you need to stand up for your rights and interests. Contact Sam & Ash Injury Law today for a free no-obligation consultation with our car accident lawyers to learn more about seeking compensation for your medical bills, lost income, car repairs, and pain and suffering.