What Can I Do When My Auto Insurer Denies My Accident Claim?

According to the Insurance Information Institute’s most recent statistics, there are nearly 200 million insured vehicles traveling highways and roads. If you or a loved one suffered injuries in a motor vehicle accident and have received medical treatment, you’ll need the experience and expertise of a personal injury lawyer to provide sound legal guidance in your case.

After a collision, whether you file a claim with your insurer or the other driver’s insurance company, it’s quite possible that an adjuster will tell you that the incident isn’t covered and deny your claim. As an example, the adjuster may inform you that the other driver is no longer insured or that their policy has lapsed and not yet been renewed. If that happens to you, are you prepared to deal with the issue?

Should I consider taking Legal Action?

Just because that claims adjuster has denied your claim, that doesn’t mean it’s the end of the line. Suffice it to say, you have other options. If the insurer of a negligent driver denies your claim or refuses to compensate you, refuses to negotiate with you, or tells you that “the check’s in the mail” (and you never get it), it’s time to pursue legal action. Just remember, when an adjuster tells you that you’re not covered, it’s usually a form of negotiating. You can counteract that by asking for a written explanation of the decision.

If the adjuster refuses to provide a written explanation, you should compose a letter to his or her company and inform them of their unwillingness to cooperate. Naturally, you’ll want to make a few copies to keep in your files. Conversely, the letter might convince the insurer that they need to cooperate with you. If this is not the case, then you’re left with no choice but to consult with an experienced personal injury lawyer and discuss your legal options. Plus, those documents will probably be used in court. Thus, all reports and medical assessments need to be kept safely as they might be needed as proof.

Are there other Compensation Options I should consider?

When it comes to settling a personal injury claim, persistence is key. In other words, if the adjuster knows that you aren’t going away, they may consider negotiating with you. These negotiations may or may not be rewarding. In any event, if negotiations do not work in your favor or the process simply falls apart, your best option is to consult with an experienced Personal Injury Lawyer in St. Catharines. They know how to navigate through the legal maze and help you win the maximum amount of damages for the specific case.

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