Claim Denied! What are my options?

by Kristen White Blogger

After an accident where injuries are suffered by the victim, he or she usually attempts to collect compensation from their own insurance company before any other avenues are explored. There are instances where insurance carriers deny claims sometimes with little provocation or explanation. This article will discuss the legal options available when an insurance claim is denied.

When your insurance claim is denied after sustaining an injury it is vital to know where to go and how to proceed. As a result such situations may require the assistance of a lawyer who is well-versed in insurance claims, scams and denials. There are certain instances where the insurance company has used bad faith methods in order to avoid payout for a legitimate claim. However, in other situations it may be that the claim was not processed because of not meeting the required documentation. When the latter occurs and the deadline has elapsed the claim becomes invalid.

When the at-fault driver is not determined or the blame cannot be placed on the victim, insurance companies involved may deny a claim on the grounds that the person injured is partially at fault. This is one of many other strategies used by insurance companies to deny a claim. If that happens it is important to get legal representation so that the rights of the injured person are protected and any possible compensation may be sought in order to make the victim whole. For the victim to be ‘made whole’ additional documentation, certain witness testimony and arguing against the opposing insurance carrier may be necessary. As a result a lawyer should be contacted either before or when the denial is issued so that all legal options may be pursued.

The denial by the insurance company is usually issued based on the belief that the claim has no possible merit or to force the injured person to give up the situation and discontinue the matter. In instances where the belief is that there is no merit to the claim, the insurance adjuster cannot be talked to or persuaded out of the issue. Under these circumstances the next step is a lawsuit. Under the guidance of a Auto Accident Lawyer In Alaska.

That being said there are many claims with merit that are denied. Claim denial may be an attempt to dissuade the victim from proceeding when the financial burden of the claim is too great for the company to provide a settlement. Insurance companies are aware of how time and cost to the victim may outweigh their seeking further action. However, while the risk of losing the case is too great to consider, the compensation provided to the victim may be of higher value if a lawyer has been successful in fighting for their clients in such matters. It may be worth going through a free initial consultation with an Alaska motorcycle accident lawyer for advice and then representation.

A denial means the affected person may hire a lawyer for assistance. While the victim only wants their compensation, additional compensation may be provided if the insurance company is sued for the denial.