Reasons for Claim Denial after Auto Accident

• 25 Feb 2021
• Auto Accident

An auto accident is most commonly defined as an automobile collision or traffic collision. It generally entails the accident caused by vehicular machines like cars or buses with pedestrians, animals, road debris, or any other stationary object such as trees, buildings, etc. 

After the occurrence of such an incident, you might want to claim your insurance linked with the vehicle or car where the damage has been caused. While buying our vehicular property or car, it is important to file for insurance to safeguard our hard-earned assets. Filing insurance for your car may come off as an easy procedure but there are instances when your claim may get rejected or denied. 

Therefore, here are a few points to keep in mind while claiming insurance. Auto accident attorney Long Island based firms have compiled some of these tips, so you get your claims mandated. 

1. No immediate complaint is logged 

If you want to claim that you have been harmed or injured in any way then it is a must to seek help for treatment right away. If this step is not taken, then the insurer can suspect that the damage done was not fatal. They may also propose that the injuries caused were not connected to the accident. That is why it is all the more important to get admitted to a hospital and get a full medical check done for hidden or internal injuries. 

If your injuries are diagnosed just after the accident then you have the upper hand of acquiring medical records as evidence. This will validate your claim for insurance as a strong case. If you end up delaying your medical grievances then that comes off as detrimental to the insurer’s belief. If you have sustained serious damages then you will have to seek medical help immediately. This proves your claim is for covering financial expenses.

2. A pre-existing condition

If you are the victim of an existing condition then the insurer may argue the fact that it was the pre-existing condition. However, if your condition worsens after the recent episode of injury caused then you may obtain some compensation. 

This can be a very tricky situation as it is a circumstantial risk to prove how deep was the pre-existing condition affecting you and how did the recent accident caused you additional damage or harm. Auto accident attorney Long Island situated firms are equipped with experienced staff to help you avoid these struggles.

3. Not following safety rules

The accident could somehow be fooled into such a way that you may be painted as a solely responsible perpetrator, so your insurance claim will get rejected or denied. This is applicable only when the insurer has the slightest doubt or inkling of thought attached to the fact that you may have taken an action that will render the policy coverage useless. For example, you were not adept at driving, intoxicated, or just an unlicensed driver. Here, you have to contact a lawyer to represent your situation. 

4. Lack of proof for medical expenses

There are cases when medical records do not reflect the severity of an injury or perhaps let’s put it this way, “you have not suffered enough.” This is a sad reality and even in these messy situations, your claim will get denied. This happens because you are incapable of providing valid pieces of evidence to look entitled enough, so you get your part of the insurance covered.  

When an insurance claim gets denied do not lose hope. We at Radow Law Group, P.C. will fix your legitimate problems. You will always benefit if you consult us for auto accident attorney Long Island based cases since we have been in practice for decades and are still running strong.