Facing a car accident can be difficult, and dealing with its aftermath can be more challenging. One of the most painful situations for accident victims is getting their car accident claim rejected by the insurance company. In Georgia, like many other states, claims may be rejected for various reasons, leaving you wondering what steps to take next. So, if you are in a similar situation, contact an experienced vehicle collision lawyer in Atlanta. These professionals know how to deal with the insurance companies and help you get the compensation you deserve.
What are The Reasons for Accident Claim Denials in Georgia?
Some of the common reasons are:
1. Lack of Enough Evidence: Insurance companies often need a lot of proof to show who is at fault and how much damage was done. If the victim doesn’t provide the needed documents or evidence, the claim might be rejected.
2. Exclusions of Policy: Insurance policies might have rules that exclude coverage for certain situations or events. If an accident’s conditions and circumstances are those excluded situations, the claim could be denied.
3. Failure To Report Accident Immediately: In Georgia, you must report car accidents to the insurance company within a set time limit. If you don’t report the accident on time, the claim might be denied.
4. Disputed Liability: The insurance company can deny your claim if they find out that their policyholder is not at fault.
5. Suspicion of Fraud: If the insurance company suspects any fraud or false information about the accident, they will likely deny the claim.
What Steps You Should Take When Your Claim Is Denied?
1. Review The Reason for Denial
After receiving the denial letter from the insurance company, first review it deeply to understand the reason. Understanding the reason can help you determine what to do next.
In some cases, the insurance company may request some additional information or documents to complete your claim.
In other cases, your insurance company will explain why they think they don’t need to pay your claim. If you don’t understand or disagree with their reason, it’s important to get advice from an experienced vehicle collision lawyer in Atlanta. They can help you decide what to do next, including possibly appealing the denial.
2. Consult with a Reputable Vehicle Collision Lawyer
Dealing with claim denial can be overwhelming. Therefore, it would be wise to take legal help from an accident lawyer in Georgia who can review your case, and guide you on the best way.
3. Collect Additional Information
If your claim is rejected because of a lack of evidence, work with your chosen lawyer to collect missing documents, evidence, witnesses, etc. that can make your case strong.
4. Negotiations
Your car accident attorney will try to negotiate with the insurance companies to settle.
5. File a Lawsuit
If negotiations don’t work, your attorney might suggest you file a lawsuit to get the compensation you deserve. A skilled vehicle collision lawyer in Atlanta can represent you in court and handle the legal process for you.
6. Review Your Insurance Policy
Even if the other driver’s insurance company denied your claim, you should review your insurance policy. Certain types of coverage, like uninsured/underinsured motorist coverage, might apply to your situation and could provide compensation if the at-fault party can’t fully cover your damages.
Protect Your Rights
If the insurance company denied your accident claim, don’t go through the legal process alone. At Karma Injury Law, we understand the challenges you face while dealing with insurance companies. Our team of experienced and talented vehicle collision lawyers in Atlanta is dedicated to fighting for your legal rights & helping you get the right compensation.
For a free consultation, reach out to us now & discuss your case. Let our team guide you and help you get fair compensation.
