A majority of auto accident victims feel like the settlement they are offered from the insurance company is simply not enough to fully compensate for everything they went through. This includes lost time from work, hospital bills, rehabilitation and therapy, and pain and suffering.
As a seasoned Texas personal injury attorney will tell you, the insurance carrier does not have the final say in what kind of damages you claim or recover after your accident. If you are not satisfied with the settlement they are offering, you can choose to contest it.
Remember, once you accept the insurer’s offer, you cannot go back and ask for a larger sum. It is best to get in touch with a Texas personal injury attorney who will assess your case and determine if you are entitled to more than you are being offered.
Reasons Why Insurance Company Denied Your Claim
If your claim was denied, it is possibly due to one of the following reasons:
You Missed an Important Deadline
The majority of insurance carriers adhere to deadlines when it comes to their claims process. For example, depending on your insurance company, you may have a deadline by which you must submit the Proof of Loss form or file the initial claim.
If you miss any of these deadlines, it could automatically lead to a claim denial. To avoid this issue, consult with a Texas personal injury attorney and submit your claim through them as soon as you can.
There is a Liability Dispute
Another reason why the insurance company may be denying your claim could be because of a liability dispute. If the insurance company believes its policyholder (the negligent party) is NOT liable for your injuries and damages – and they reached this conclusion after an investigation – they can reject your claim.
The company may argue that either you were at fault for the damages or someone else was responsible. A liability dispute can mean a partial or full denial of your claim.
You Did Not Seek Medical Care
Medical treatment is an essential part of any insurance claim that involves injuries. The insurance company will investigate to determine the following things:
- Whether you received an official diagnosis for your injuries
- How long you waited before you went to the doctor
- What treatments you were recommended to undergo
- If you are following the treatment plan as prescribed
- And whether you received any follow-up care
If you failed to follow through with the doctor, you never even went to the doctor or an emergency room in the first place, or you went to the doctor several days or weeks after the accident, it can all lead to claim denial.
Contact a Texas Personal Injury Attorney From Kirk Law Firm Today
If you suspect that an insurance company acted in bad faith to handle your claims process in Texas, it is time to bring in the professionals. At Kirk Law Firm, our Texas personal injury attorneys have 60+ years of combined experience in helping people negotiate with insurance companies such as Nationwide, USAA, State Farm, Geico, and more.
We may be able to file a separate claim of bad faith against the insurance company on your behalf for additional damages. Contact us online to request a free case evaluation.