{"id":12895,"date":"2024-11-02T22:54:59","date_gmt":"2024-11-02T15:54:59","guid":{"rendered":"https:\/\/callpaul.com\/?p=12895"},"modified":"2025-03-20T15:29:35","modified_gmt":"2025-03-20T08:29:35","slug":"que-hacer-si-su-reclamacion-por-accidente-automovilistico-es-rechazada","status":"publish","type":"post","link":"https:\/\/callpaul.com\/es\/insights\/what-to-do-if-your-car-accident-claim-is-denied\/","title":{"rendered":"Qu\u00e9 hacer si su reclamaci\u00f3n por accidente de auto es rechazada"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;section&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row admin_label=&#8221;row&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;]It can be disheartening and infuriating when an insurance company denies your accident claim. However, you must stay calm and not call the insurance company, but give them a piece of your mind. Auto insurance companies usually deny claims to avoid dispersing payment.<\/p>\n<p>If the insurance company denies your claim, you may believe that you will have a battle on your hands to get compensated for your injuries, lost income, and property damage.<\/p>\n<p>Here at The Paul Wilkinson Law Firm, we know the complications of car accident claims and the annoyance of denied coverage. In this blog, we provide some measures you can take if your claim has been denied and how a <a href=\"https:\/\/callpaul.com\/denver\/car-accident-lawyer\/\">car accident attorney in Denver<\/a> can assist you.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69e9113034cd4\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\" style='display:none' id=\"ez-toc-cssicon-toggle-item-69e9113034cd4\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/callpaul.com\/es\/insights\/what-to-do-if-your-car-accident-claim-is-denied\/#Why_Insurance_Companies_Will_Deny_a_Claim\" >Why Insurance Companies Will Deny a Claim<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/callpaul.com\/es\/insights\/what-to-do-if-your-car-accident-claim-is-denied\/#Bad_Faith\" >Bad Faith<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/callpaul.com\/es\/insights\/what-to-do-if-your-car-accident-claim-is-denied\/#Claim_Not_Filed_in_a_Reasonable_Amount_of_Time\" >Claim Not Filed in a Reasonable Amount of Time<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/callpaul.com\/es\/insights\/what-to-do-if-your-car-accident-claim-is-denied\/#No_Insurance_Coverage_at_the_Time_of_the_Accident\" >No Insurance Coverage at the Time of the Accident<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/callpaul.com\/es\/insights\/what-to-do-if-your-car-accident-claim-is-denied\/#Damage_Excluded_from_Policy\" >Damage Excluded from Policy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/callpaul.com\/es\/insights\/what-to-do-if-your-car-accident-claim-is-denied\/#Disputed_Liability\" >Disputed Liability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/callpaul.com\/es\/insights\/what-to-do-if-your-car-accident-claim-is-denied\/#Steps_to_Take_After_an_Insurance_Claim_Denial\" >Steps to Take After an Insurance Claim Denial<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/callpaul.com\/es\/insights\/what-to-do-if-your-car-accident-claim-is-denied\/#Review_the_Denial_Letter\" >Review the Denial Letter<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/callpaul.com\/es\/insights\/what-to-do-if-your-car-accident-claim-is-denied\/#Review_Your_Insurance_Policy\" >Review Your Insurance Policy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/callpaul.com\/es\/insights\/what-to-do-if-your-car-accident-claim-is-denied\/#Your_Options_After_You_Get_a_Denial\" >Your Options After You Get a Denial<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/callpaul.com\/es\/insights\/what-to-do-if-your-car-accident-claim-is-denied\/#Appealing_Your_Denied_Insurance_Claim\" >Appealing Your Denied Insurance Claim<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/callpaul.com\/es\/insights\/what-to-do-if-your-car-accident-claim-is-denied\/#Was_Your_Car_Insurance_Claim_Denied_Contact_One_of_Our_Skilled_Car_Accident_Attorneys_Today\" >Was Your Car Insurance Claim Denied? Contact One of Our Skilled Car Accident Attorneys Today<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Why_Insurance_Companies_Will_Deny_a_Claim\"><\/span>Why Insurance Companies Will Deny a Claim<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You have the right to get compensated if another motorist is at fault for your collision. If the driver has auto insurance, filing a claim with their insurer is usually what you\u2019ll do first. However, insurance companies don\u2019t approve every insurance claim they get. As a matter of fact, insurance companies often deny claims, and there are many reasons why they do.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Bad_Faith\"><\/span>Bad Faith<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>When a motorist buys auto insurance, they generate a contract with the insurance company. The insurance company then has a responsibility to act in good faith when it gets a request for benefits, including third-party claims that are submitted by accident victims.<\/p>\n<p>An insurance company must use due diligence and provide your claim with the attention it deserves. Your claim should be:<\/p>\n<ul>\n<li aria-level=\"1\">Handled promptly<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\">Evaluated by an insurance adjuster<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\">Investigated completely<\/li>\n<\/ul>\n<p>If, after painstaking consideration, an insurance company wants to deny your claim, it has the right to do so. However, the company must have a valid explanation for the denial.<\/p>\n<p>Bad faith practices still occur. Insurance companies have been able to create methods that let them avoid the law. Some companies will deny a claim without ever looking at its accomplishments. Others will needlessly delay processing so that victims get nervous and become keen on settling. Some might even avoid the responsibility of investigating the accident at all.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Claim_Not_Filed_in_a_Reasonable_Amount_of_Time\"><\/span>Claim Not Filed in a Reasonable Amount of Time<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Most insurance companies don\u2019t have a definite deadline for when you must file a claim after a collision. However, these companies do have the right to deny your claim if it is not submitted within a reasonable amount of time after an accident.<\/p>\n<p>A reasonable amount of time depends on the other motorist\u2019s insurance policy and company. In some instances, a reasonable amount of time is a couple of days. In other cases, it means you have a few weeks to file a claim.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"No_Insurance_Coverage_at_the_Time_of_the_Accident\"><\/span>No Insurance Coverage at the Time of the Accident<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>An insurance company will deny your claim if it verifies that no insurance coverage existed at the time of the accident. You can be sure that the insurance company will examine the driver\u2019s policy to ensure that it existed when you were injured. An insurance policy can be void, and there might not be any insurance if the driver didn\u2019t pay the premiums, and the policy lapsed. If no effective policy exists, the insurer will clarify that the\u00a0policy has lapsed\u00a0and decline the claim.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Damage_Excluded_from_Policy\"><\/span>Damage Excluded from Policy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Auto insurance companies will only pay for damages that are covered by the at-fault driver\u2019s insurance policy. Most policies have exclusions. Exclusions are things that the insurance company may decline to cover. For example, most insurance companies won\u2019t cover damages due to adverse weather. Therefore, insurance companies will likely only pay for damages that are related to the accident.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Disputed_Liability\"><\/span>Disputed Liability<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When you submit your insurance claim, you\u2019ll give a thorough, comprehensible account of the accident and proof to corroborate your request. Once the insurance company gets your demand letter, it will assess the accident and decide if your claim is valid.<\/p>\n<p>If there is evidence to suggest that their insured driver might not be responsible for the crash, the company can deny your request for compensation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Steps_to_Take_After_an_Insurance_Claim_Denial\"><\/span>Steps to Take After an Insurance Claim Denial<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Though getting a letter of a car insurance claim denial isn\u2019t pleasant, it doesn\u2019t need to be the end of your effort at receiving a positive resolution. By thoroughly following specific steps, you can boost your odds of successfully handling the denial and getting an outcome in your favor.<\/p>\n<p>Working with a Denver car accident lawyer is always a good decision. Your lawyer can explain the process, guide you in the right direction, and help you avoid any pointless obstacles.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Review_the_Denial_Letter\"><\/span>Review the Denial Letter<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You will get a written notice when your insurance company rejects your car accident claim. The first step to take is to meticulously review the denial letter to better understand the insurance company\u2019s stated reasons for the denial. Learning about these reasons for denial is crucial when it comes time to decide the right response.<\/p>\n<p>You should also partner with an attorney to review the letter in detail to look for any errors. There\u2019s a chance that mistakes in the insurance company\u2019s investigation process could generate a denial letter.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Review_Your_Insurance_Policy\"><\/span>Review Your Insurance Policy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When dealing with a denied insurance claim, another first step is to thoroughly review your insurance policy. The steps to take when reviewing your policy include:<\/p>\n<p><b>Request a copy of your policy \u2013<\/b>\u00a0If you don\u2019t already have a copy of your insurance policy, request one and review it carefully. Pay close attention to the exclusions, provisions, and coverage limits.<\/p>\n<p><b>Understand the policy language<\/b> &#8211; Insurance policies are usually (on purpose) complex and filled with legal jargon. This is why it\u2019s best to hire a legal professional to help you understand what your policy says.<\/p>\n<p><b>Get clarification \u2013\u00a0<\/b>Reach out to your insurance company if your policy includes ambiguous terms. Understanding your exact coverage will help verify if the denial is valid. Partner with a skilled car accident lawyer to reread your policy and your claim denial. They are knowledgeable in understanding these policies and the legal terms, knowing the methods insurance companies will use to try to deny claims that are valid.<\/p>\n<p><b>Collect evidence &#8211; <\/b>You and your attorney must collect all pertinent supportive evidence in response to your denied insurance claim. You should completely document everything regarding your car accident including:<\/p>\n<ul>\n<li aria-level=\"1\">Medical treatment<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\">Damage to your vehicle<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\">Collision scene (street signs, road conditions, property damage, etc.)<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\">Witness statements and expert testimonies<\/li>\n<\/ul>\n<p>Working with your lawyer to gather this evidence will provide you with a solid foundation to dispute your claim denial.<\/p>\n<p><b>Contact the insurance company &#8211; <\/b>You can have professional communication with your insurance provider during the entire process.<\/p>\n<p>With that being said, it\u2019s a good idea to let your car accident attorney handle all communications with the insurance companies after a car accident, especially if your claim has been denied. This way, you can avoid making any statements that the insurance company could use against you.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Your_Options_After_You_Get_a_Denial\"><\/span>Your Options After You Get a Denial<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Your pursuit for payment after a car collision shouldn\u2019t stop just because an insurance company has sent you a denial letter. You still have options to get the compensation you deserve.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Appealing_Your_Denied_Insurance_Claim\"><\/span>Appealing Your Denied Insurance Claim<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You have the right to appeal an insurance claim denial. Insurance companies handle appeals in a couple of ways such as:<\/p>\n<p><b>Internal appeal<\/b> \u2013 The appeal process for some insurance companies is done internally. This means that you\u2019ll submit your appeal to a certain appeals department within the company. This department will review your claim and request for an appeal.<\/p>\n<p><b>Arbitration<\/b> \u2013 Some insurance policies will require any claim appeals to be resolved through\u00a0arbitration. Arbitration is like a private trial. You and the insurance company go before an unbiased third party, referred to as an arbitrator, and present your respective cases. You might each have the chance to present evidence and witnesses. The arbitrator will examine all relevant testimony, information, and evidence before rendering a decision. The arbitrator\u2019s ruling is binding and final.<\/p>\n<p>The appeals process can be complicated, and you don\u2019t want to make any mistakes. Instead of appealing your claim yourself, talk with an experienced car accident attorney. They will go over your denial letter, prepare a convincing appeal, and act on behalf of your interests. Your appeal will have a good chance of success with a lawyer by your side.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Was_Your_Car_Insurance_Claim_Denied_Contact_One_of_Our_Skilled_Car_Accident_Attorneys_Today\"><\/span>Was Your Car Insurance Claim Denied? Contact One of Our Skilled Car Accident Attorneys Today<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Handling a denied car accident insurance claim can be perplexing, difficult, and annoying. However, knowing your rights, reviewing your policy, collecting evidence, and getting legal assistance can drastically improve your odds of success.<\/p>\n<p>If you hire one of our skilled car accident attorneys, they can take on all these responsibilities. This lets you have time to recoup from your injuries, knowing your insurance claim is in good hands. If you have a denied insurance claim from a car accident, contact us today for a free consultation.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>It can be disheartening and infuriating when an insurance company denies your accident claim. However, you must stay calm and not call the insurance company, but give them a piece of your mind. Auto insurance companies usually deny claims to avoid dispersing payment. If the insurance company denies your claim, you may believe that you [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":12896,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"It can be disheartening and infuriating when an insurance company denies your accident claim. However, you must stay calm and not call the insurance company, but give them a piece of your mind. Auto insurance companies usually deny claims to avoid dispersing payment.\r\n\r\nIf the insurance company denies your claim, you may believe that you will have a battle on your hands to get compensated for your injuries, lost income, and property damage.\r\n\r\nHere at The Paul Wilkinson Law Firm, we know the complications of car accident claims and the annoyance of denied coverage. In this blog, we provide some measures you can take if your claim has been denied and how a <a href=\"https:\/\/callpaul.com\/denver\/car-accident-lawyer\/\">car accident attorney in Denver<\/a> can assist you.\r\n<h2>Why Insurance Companies Will Deny a Claim<\/h2>\r\nYou have the right to get compensated if another motorist is at fault for your collision. If the driver has auto insurance, filing a claim with their insurer is usually what you\u2019ll do first. However, insurance companies don\u2019t approve every insurance claim they get. As a matter of fact, insurance companies often deny claims, and there are many reasons why they do.\r\n<h3>Bad Faith<\/h3>\r\nWhen a motorist buys auto insurance, they generate a contract with the insurance company. The insurance company then has a responsibility to act in good faith when it gets a request for benefits, including third-party claims that are submitted by accident victims.\r\n\r\nAn insurance company must use due diligence and provide your claim with the attention it deserves. Your claim should be:\r\n<ul>\r\n \t<li aria-level=\"1\">Handled promptly<\/li>\r\n<\/ul>\r\n<ul>\r\n \t<li aria-level=\"1\">Evaluated by an insurance adjuster<\/li>\r\n<\/ul>\r\n<ul>\r\n \t<li aria-level=\"1\">Investigated completely<\/li>\r\n<\/ul>\r\nIf, after painstaking consideration, an insurance company wants to deny your claim, it has the right to do so. However, the company must have a valid explanation for the denial.\r\n\r\nBad faith practices still occur. Insurance companies have been able to create methods that let them avoid the law. Some companies will deny a claim without ever looking at its accomplishments. Others will needlessly delay processing so that victims get nervous and become keen on settling. Some might even avoid the responsibility of investigating the accident at all.\r\n<h2>Claim Not Filed in a Reasonable Amount of Time<\/h2>\r\nMost insurance companies don\u2019t have a definite deadline for when you must file a claim after a collision. However, these companies do have the right to deny your claim if it is not submitted within a reasonable amount of time after an accident.\r\n\r\nA reasonable amount of time depends on the other motorist\u2019s insurance policy and company. In some instances, a reasonable amount of time is a couple of days. In other cases, it means you have a few weeks to file a claim.\r\n<h2>No Insurance Coverage at the Time of the Accident<\/h2>\r\nAn insurance company will deny your claim if it verifies that no insurance coverage existed at the time of the accident. You can be sure that the insurance company will examine the driver\u2019s policy to ensure that it existed when you were injured. An insurance policy can be void, and there might not be any insurance if the driver didn\u2019t pay the premiums, and the policy lapsed. If no effective policy exists, the insurer will clarify that the\u00a0policy has lapsed\u00a0and decline the claim.\r\n<h2>Damage Excluded from Policy<\/h2>\r\nAuto insurance companies will only pay for damages that are covered by the at-fault driver\u2019s insurance policy. Most policies have exclusions. Exclusions are things that the insurance company may decline to cover. For example, most insurance companies won\u2019t cover damages due to adverse weather. Therefore, insurance companies will likely only pay for damages that are related to the accident.\r\n<h2>Disputed Liability<\/h2>\r\nWhen you submit your insurance claim, you\u2019ll give a thorough, comprehensible account of the accident and proof to corroborate your request. Once the insurance company gets your demand letter, it will assess the accident and decide if your claim is valid.\r\n\r\nIf there is evidence to suggest that their insured driver might not be responsible for the crash, the company can deny your request for compensation.\r\n<h2>Steps to Take After an Insurance Claim Denial<\/h2>\r\nThough getting a letter of a car insurance claim denial isn\u2019t pleasant, it doesn\u2019t need to be the end of your effort at receiving a positive resolution. By thoroughly following specific steps, you can boost your odds of successfully handling the denial and getting an outcome in your favor.\r\n\r\nWorking with a Denver car accident lawyer is always a good decision. Your lawyer can explain the process, guide you in the right direction, and help you avoid any pointless obstacles.\r\n<h2>Review the Denial Letter<\/h2>\r\nYou will get a written notice when your insurance company rejects your car accident claim. The first step to take is to meticulously review the denial letter to better understand the insurance company\u2019s stated reasons for the denial. Learning about these reasons for denial is crucial when it comes time to decide the right response.\r\n\r\nYou should also partner with an attorney to review the letter in detail to look for any errors. There\u2019s a chance that mistakes in the insurance company\u2019s investigation process could generate a denial letter.\r\n<h2>Review Your Insurance Policy<\/h2>\r\nWhen dealing with a denied insurance claim, another first step is to thoroughly review your insurance policy. The steps to take when reviewing your policy include:\r\n\r\n<b>Request a copy of your policy \u2013<\/b>\u00a0If you don\u2019t already have a copy of your insurance policy, request one and review it carefully. Pay close attention to the exclusions, provisions, and coverage limits.\r\n\r\n<b>Understand the policy language<\/b> - Insurance policies are usually (on purpose) complex and filled with legal jargon. This is why it\u2019s best to hire a legal professional to help you understand what your policy says.\r\n\r\n<b>Get clarification \u2013\u00a0<\/b>Reach out to your insurance company if your policy includes ambiguous terms. Understanding your exact coverage will help verify if the denial is valid. Partner with a skilled car accident lawyer to reread your policy and your claim denial. They are knowledgeable in understanding these policies and the legal terms, knowing the methods insurance companies will use to try to deny claims that are valid.\r\n\r\n<b>Collect evidence - <\/b>You and your attorney must collect all pertinent supportive evidence in response to your denied insurance claim. You should completely document everything regarding your car accident including:\r\n<ul>\r\n \t<li aria-level=\"1\">Medical treatment<\/li>\r\n<\/ul>\r\n<ul>\r\n \t<li aria-level=\"1\">Damage to your vehicle<\/li>\r\n<\/ul>\r\n<ul>\r\n \t<li aria-level=\"1\">Collision scene (street signs, road conditions, property damage, etc.)<\/li>\r\n<\/ul>\r\n<ul>\r\n \t<li aria-level=\"1\">Witness statements and expert testimonies<\/li>\r\n<\/ul>\r\nWorking with your lawyer to gather this evidence will provide you with a solid foundation to dispute your claim denial.\r\n\r\n<b>Contact the insurance company - <\/b>You can have professional communication with your insurance provider during the entire process.\r\n\r\nWith that being said, it\u2019s a good idea to let your car accident attorney handle all communications with the insurance companies after a car accident, especially if your claim has been denied. This way, you can avoid making any statements that the insurance company could use against you.\r\n<h2>Your Options After You Get a Denial<\/h2>\r\nYour pursuit for payment after a car collision shouldn\u2019t stop just because an insurance company has sent you a denial letter. You still have options to get the compensation you deserve.\r\n<h2>Appealing Your Denied Insurance Claim<\/h2>\r\nYou have the right to appeal an insurance claim denial. Insurance companies handle appeals in a couple of ways such as:\r\n\r\n<b>Internal appeal<\/b> \u2013 The appeal process for some insurance companies is done internally. This means that you\u2019ll submit your appeal to a certain appeals department within the company. This department will review your claim and request for an appeal.\r\n\r\n<b>Arbitration<\/b> \u2013 Some insurance policies will require any claim appeals to be resolved through\u00a0arbitration. Arbitration is like a private trial. You and the insurance company go before an unbiased third party, referred to as an arbitrator, and present your respective cases. You might each have the chance to present evidence and witnesses. The arbitrator will examine all relevant testimony, information, and evidence before rendering a decision. The arbitrator\u2019s ruling is binding and final.\r\n\r\nThe appeals process can be complicated, and you don\u2019t want to make any mistakes. Instead of appealing your claim yourself, talk with an experienced car accident attorney. They will go over your denial letter, prepare a convincing appeal, and act on behalf of your interests. Your appeal will have a good chance of success with a lawyer by your side.\r\n<h2>Was Your Car Insurance Claim Denied? Contact One of Our Skilled Car Accident Attorneys Today<\/h2>\r\nHandling a denied car accident insurance claim can be perplexing, difficult, and annoying. However, knowing your rights, reviewing your policy, collecting evidence, and getting legal assistance can drastically improve your odds of success.\r\n\r\nIf you hire one of our skilled car accident attorneys, they can take on all these responsibilities. This lets you have time to recoup from your injuries, knowing your insurance claim is in good hands. If you have a denied insurance claim from a car accident, contact us today for a free consultation.","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"categories":[11],"tags":[],"class_list":["post-12895","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-accidents"],"acf":[],"_links":{"self":[{"href":"https:\/\/callpaul.com\/es\/wp-json\/wp\/v2\/posts\/12895","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/callpaul.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/callpaul.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/callpaul.com\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/callpaul.com\/es\/wp-json\/wp\/v2\/comments?post=12895"}],"version-history":[{"count":0,"href":"https:\/\/callpaul.com\/es\/wp-json\/wp\/v2\/posts\/12895\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/callpaul.com\/es\/wp-json\/wp\/v2\/media\/12896"}],"wp:attachment":[{"href":"https:\/\/callpaul.com\/es\/wp-json\/wp\/v2\/media?parent=12895"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/callpaul.com\/es\/wp-json\/wp\/v2\/categories?post=12895"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/callpaul.com\/es\/wp-json\/wp\/v2\/tags?post=12895"}],"curies":[{"name":"gracias","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}