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If your insurance company fails to properly investigate your car accident claim, you have a few options. You can file a complaint with the insurance commissioner in your state, hire an attorney, or file a lawsuit.
Each of these options has its own set of pros and cons, so you’ll need to weigh your options carefully and decide which is the best course of action for you.
Dealing with insurance claim denial
If you’ve been in a car accident, the last thing you want is for your insurance claim to be denied. But unfortunately, claim denial is a reality for many people. If your claim has been denied, don’t panic. There are a few things you can do to try to get your claim approved.
It’s important to stay calm and avoid emotional responses. The best thing to do is to reach out to an attorney who can help you understand your rights and guide you through the process.
There are a lot of steps involved in filing a lawsuit, but an attorney can help make it as smooth as possible. Remember, you’re not alone in this, there are people who can help you get the compensation you deserve.
Why did the insurance company refuse to pay your claim?
Often, the denial is based on a technicality or misunderstanding. If you can identify the reason for the denial, you may be able to address it and get your claim approved.
Other reason would be that if the other driver was at fault or if your policy doesn’t cover the type of damage you sustained.
If you can’t figure out the reason for the denial, or if you’ve tried to address the issue but your claim is still being denied, you may need to file an appeal. To do this, you’ll need to submit a written request to your insurance company, outlining why.
The insurance company should be working for you, and if they’re not, you have the right to take action.
Steps to follow in a car accident
After a car accident, it’s important to take some steps to protect yourself and make sure you’re doing everything you can to get your claim processed.
I wrote down a list of what you should do (specially if you are located in Washington D.C.
- Report the accident to the police and your insurance company as soon as possible after the crash.
- Seek medical treatment, first, it will help you recover from any injuries you might have sustained in the accident; and second, it will provide documentation of your injuries in case you need to pursue legal action. (Keep in mind that you should seek treatment from a qualified medical professional, not from someone who is not qualified to offer medical care. And don’t wait too long to seek treatment. The longer you wait, the more difficult it will be to prove that your injuries were caused by the accident.)
- Collect information about the accident, including the names and contact information of everyone involved, the license plate numbers of all vehicles involved, and witnesses’ contact information, also, if you are aware of cameras in the place, tell to the police about them.
- Take pictures of the accident scene, your car, and any injuries you have. Make sure to take a lot of pictures (remember, the more evidence you have, the better).
- Check your insurance coverage to see what’s covered and what isn’t. This will help you understand what kind of damages you can claim. If you are not sure about coverage, check this post about what is covered in your insurance car policy).
- Save all receipts related to the accident, such as for car repairs, medical expenses, and rental cars.
A car accident lawyer can help you in Washington D.C.
If you find yourself in a situation where your insurance company is failing to investigate your car accident claim, take action by exploring options like looking for a car accident lawyer in Washington D.C. With years of experience, we know how to get those hurt in auto accidents the money they require to heal from their wounds.
We know how to negotiate with insurance companies and we’re not afraid to take them to court if necessary.
Contact us today for a consultation and we’ll discuss your case with you.