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
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 underinsured 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 fight
to 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) 718-4002 to schedule your
free case evaluation.