4 Reasons Your Car Accident Claim Can Be Denied

 Posted on November 02, 2015 in Personal Injury

Insurance is a business like any other, and insurance adjustors are employed to deny and reduce the value of claims that come across their desks. With this in mind, it’s not uncommon for many car accident insurance claims to be wrongfully denied for a variety of reasons. In this blog, our New York car accident attorneys discuss four of the most common reasons why insurance companies deny claims.

1. The Other Driver Has an Expired Insurance Policy

While getting another driver’s insurance information is always the right thing to do in a New York car accident, it may do you no good if their policy is expired. You may be able to pursue a civil claim against the driver, but your ability to recover sufficient damages for your injuries can be limited. For this reason, it is always a good idea to have uninsured motorist coverage.

2. The Other Driver Has Insufficient Coverage

Some drivers have no insurance or an expired insurance policy, but others simply have insufficient coverage to pay for your injuries. On the surface,these cases are relatively straightforward - the insurance company should pay you the full amount covered by the policy, and you can file a lawsuit against the driver to cover the balance. However, insurance providers often wrongfully deny these claims simply because the amount was too high for them to cover. Your attorney can help you pursue fair compensation in these cases, but they are a reminder of the importance of under nsured motorist coverage.

3. You Have a Pre-existing Medical Condition

It is very common for insurance companies to request your prior medical records, but these should NEVER be released without the counsel of an experienced New York personal injury attorney. This is because insurance companies will often look for any pre-existing condition that can allow them to deny the claim, or at least mitigate the value.

4. You Were Partially At Fault

If you were partially to blame for the car accident, or if it was avoidable,the insurance company may attempt to deny or mitigate the value of your claim. It is always recommended to seek counsel from a skilled New York car accident lawyer who can help you understand your options, and fightto make sure your side of the story is heard in court.

Make sure you get fair compensation for your injuries. Contact our firm today at 203-661-6000 to schedule your free case evaluation.