Why Can A Claim Adjuster Deny Your Coverage?

by Kristen White Blogger In Alaska, any vehicle owner should have liability car insurance coverage. The coverage is meant to pay for property damage expenses, medical costs for the driver, passengers, or even pedestrian injured in a car accident. The amount to be paid is always up to certain coverage limits. Most drivers make a point of carrying more coverage to protect them in case of an accident that involved severe injuries or vehicle damage. Unfortunately, one may present certain coverage only for the insurance adjuster to reject it, claiming it does cover the accident.

Why Your Coverage May Be Denied

• The policy has expired.
• The driver is not listed on the policy.
• Damages exceeding the policy limit

If the insurance adjuster denies coverage or claims that your coverage cannot cover your vehicle damage and personal injury, this is not the end of your case. You should be more prepared to fight back to get the compensation you deserve. Note that once the policy limits get exhausted, the driver is forced to pay for any expenses over and above the limits. The higher the coverage limits, the better. Arguing with an insurance adjuster may not yield any fruits; you require working with the best personal injury lawyer to know the process to follow.

How To Handle Your Denied Car Accident Insurance Claim

 Insurance policies often contain information that may not be understood by the common man. Understanding what may be contained may be complicated. If your vehicle damage claim has been denied, and you believe this should not be the case, you need car accident property damage lawyers. It pays to know how to go about to get compensated for the cost of repair or how the fair market value will be determined if the car is totaled. If your coverage has been denied, you need to act to ensure you don’t lose your rights to get compensation by:

• Requesting a written explanation: The best way to start the fight is to request a written explanation of why your coverage was denied. With this, you may know how to best respond to the claim. If the claim adjuster seems reluctant to provide the information, this would be a good basis for you to pursue your claim in court. It could be one way of discouraging you from receiving the right settlement. The claim adjuster should provide a written copy of the information they are using to deny the coverage.
• Use your lawyer to counter the insurance information: If you believe there is no basis as to why your benefits are to be denied, you have the right to refute claims with the help of an experienced car accident lawyer depending on the type of coverage you have. With legal representation, the insurance adjuster will likely cooperate to offer a settlement since they may not want you to pursue the case with the insurance commission.

 If you believe your vehicle damage claim was unjustly denied, you can contact car accident property damage lawyers who can offer legal guidance. Whether or not you may have enough coverage will be determined by the terms included in your policy. Depending on the surrounding facts, your lawyer can read it out in a manner that may favor you in obtaining a settlement.

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Created on Nov 11th 2020 01:39. Viewed 108 times.

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