Tennessee, like most states, requires drivers to purchase car insurance. Carrying this coverage gives policyholders peace of mind knowing that it will help them to recover if a collision happens. However, what if your insurer denies your claim? Can a lawyer help you obtain the benefits and compensation you expected when you purchased your policy?
These are questions Greg Coleman Law answers below. Our firm also shares some valid reasons claims may be denied and actions that may help you avoid this situation.
Our Knoxville-based car accident lawyers have spent decades representing victims of car crashes. We know the ways insurance providers may try to devalue or deny a claim - even one that is valid. If your insurance company denies your claim, call our firm to learn how we may be able to help - at no cost or obligation to you.
How Can My Insurer Deny My Claim?
Unfortunately, denials happen more often than you may think. While not all reasons are legitimate, here are some of the valid circumstances that could result in a denied claim:
- Expired policy due to non-payment: Forgetting or skipping a payment on your insurance policy can lead to a lapse in coverage, causing your policy to be cancelled.
- Failure to report your accident: Getting first responders to the scene helps to create a record of your accident. Having no police or accident report may make it difficult to prove how - or that - an accident occurred.
- No medical records: If you did not get examined or seek treatment after a car crash, it can be difficult to prove it was the cause of your injuries.
- Failure to notify your insurance company in time: After an accident, your insurer likely has a deadline for reporting your accident. If you miss that date, your insurer may legally deny your claim.
- Details on your policy are false or misleading: Being dishonest on your insurance policy could invalidate your coverage.
- You could have avoided the accident: Investigators may determine you did not make any effort to avoid the collision. For example, if you ran a red light and hit another car.
- You violated a traffic law: If you were speeding, impaired by alcohol, or committed some other traffic violation, your claim could be denied.
Can I Challenge a Denied Claim?
That depends on the reason for the denial. Some insurance companies may try to get out of paying a claim - even if it is valid. That practice of not fulfilling the terms of your contract - your insurance policy - is called acting in bad faith.
This situation is just one reason why, after any traffic collision, you may want to consider legal help - without delay. An attorney is prepared to protect your interests and determine whether you have valid legal options for a claim.
At the end of the day, it is important to remember that insurance companies are a business. As employees, insurance adjusters are trained to protect the company’s profit margin. Therefore many of the tactics they may use are deceptive and may help your insurer to pay less on a claim.
What Can You Do to Avoid a Denied Claim?
Sometimes doing all the right things may still result in a denied claim. However, to help prevent that from happening, here are some important tips:
- Call 9-1-1 after your accident: Getting first responders on the scene provides an official report of your accident.
- Know your policy terms before you buy: When purchasing or renewing your auto insurance policy, review coverage terms to confirm it will meet your needs - and your budget.
- Ask about exclusions: Learn about policy exceptions ahead of time to avoid the shock of finding out you are not covered in certain situations. Your insurer must explain your policy in full, including those fine-print exclusions.
- Know how long you have to report your accident: Most insurance policies have deadlines for reporting an accident. Knowing that requirement in advance can help you to avoid getting denied because you missed that cut-off date.
- Seek medical care after an accident: A visit to the emergency room protects your health. It also creates a medical record that provides credible evidence and links your injuries to your claim.
Why Contacting Our Attorneys May Benefit Your Claim
The attorneys at Greg Coleman Law have decades of experience - something you want for any legal action. Our team of legal professionals have represented injured victims throughout the state, recovering millions in compensation on their behalf.
It is a known fact that those who use an attorney often get more compensation after an accident than those who do not. We are very familiar with the law - and with the methods insurance companies may try to use to get out of paying a claim.
Call our firm today for your free, no-obligation consultation and learn if you may have a case. We are prepared to fight for your best interests and maximum compensation. If we take your case, there is nothing to pay us up front or throughout the legal process. We do not get paid unless we recover compensation for you.
Millions Recovered. No Upfront Costs. (865) 247-0080