Why Would an Insurance Company Deny My Claim in Indianapolis?

The whole point of having car insurance is so that you’re covered if you get in an accident. If you get hit by another driver, their insurance should pay for your injuries. The problem is that insurance companies have a habit of denying claims for no good reason.

If you get hurt and the insurance company denies your claim, you’re going to be frustrated. You’ll even be mad. The best thing to do is to call a car accident lawyer in Indianapolis. They will go up against the insurance company and get you the compensation you deserve.

Indianapolis Car Accident Lawyers Know What to Do After an Accident

There are a few things you can do to lower the odds of your claim being denied. A lot of this is common sense. But you’d be surprised how many people forget to use common sense when they get in a car accident.

When you get in a car wreck, you need to seek medical treatment immediately. First, you need to make sure you’re okay. Second, you need to document your injuries. Your car accident lawyer’s going to rely on your medical records to prove you were injured. If you don’t go to the hospital, you’ll have no way to prove you were hurt.

The second thing you need to do is make sure you get a police report. No matter how much the other driver begs you not to call the cops, you have to. The police report includes vital information that your lawyer will need if your insurance claim is denied. This information includes:

  • Description of the accident scene and road conditions
  • Name and contact information for any witnesses
  • Statements made by both drivers
  • License and insurance information for all drivers involved
  • Proof of any tickets or arrests made at the time of the accident

Finally, make sure you call an Indianapolis car accident lawyer. Your lawyer will submit all of this evidence as proof of your injuries. He’ll try to negotiate a settlement with the insurance company on your behalf.

Accident Attorneys in Indianapolis Handle Insurance Denials

In an ideal world. Your accident claim will be paid. However, we don’t live in an ideal world. Insurance companies wouldn’t stay in business if they paid every claim that came across their desk.

If your claim is denied, you’ll receive a denial letter from the insurance adjuster. It will state the reason for your denial. Some of the most common reasons claims are denied include:

  • The policy wasn’t valid
  • The policy had lapsed for non-payment
  • The driver wasn’t listed on the policy
  • You didn’t file your claim in time
  • The insurance company doesn’t believe you were hurt
  • They think you caused the accident
  • You have a history of filing false claims

Your car accident lawyer may be able to overcome most of these challenges. Now, there’s nothing an attorney can do about an invalid policy. If a policy isn’t valid, there’s no way the insurance company is going to pay your claim.

How Can a Car Accident Attorney in Indianapolis Help?

If you don’t have an attorney, the insurance company is not going to take you seriously. This may not sound fair, but it’s a fact. If they deny your claim, you don’t want to handle it yourself.

Your car accident lawyer will contact the insurance adjuster. He’ll try to get your claim approved. If they still insist on denying your claim, your lawyer will file a lawsuit.

Once a lawsuit is filed, it may give the insurance company the motivation to settle your claim. Up until the day of trial, attorneys can negotiate a settlement. In fact, over 95% of all car accident cases settle.

Nobody wants to go to court. Trials are expensive and time consuming. They can drag on for months or even years. It’s in everyone’s best interests to settle the matter. Your attorney knows this and so does the insurance company.

Contact a Car Accident Lawyer in Indianapolis Today

If you’ve been hurt in a car accident and your claim is denied, contact a car accident lawyer in Indianapolis today. Your lawyer can review your case and see what they can do to help.

Your lawyer can do what you cannot. He can negotiate with the insurance company on your behalf. He will do what it takes to get you the compensation you deserve.

Call and schedule your free initial consultation. Let an experienced attorney answer any questions you may have. The consultation is free and you pay nothing until you settle your case!

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