So, you were involved in an accident. You’ve submitted your claim to the other driver’s insurance, but it was denied. Now what are you supposed to do? After all, it seemed like a pretty open-and-shut case when you were at the scene. While this kind of situation may seem like the end of the road, it is not. In fact, it is rather common for insurers to deny a claim if they find any particular reason to justify doing so. Fortunately, an experienced attorney knows how to push back against the insurer and pursue a fair resolution to your accident.
In most cases, the insurer maintains its own appeals process. an attorney can help you navigate this appeals process and also guide you about when it may be time to abandon the appeals process and pursue a lawsuit. In many cases, insurance companies are merely trying to save money on their own bottom line, but the prospect of a legal battle makes this approach less lucrative than it might be otherwise.
When negotiating with an insurer, be sure to remember that it is just that — a negotiation. AS with any negotiation, the stronger your team is at negotiating, the greater your chances of leaving the situation with a win.
It is impossible to know the best approach to your specific circumstances without knowing the details of your accident and why your claim was denied. An attorney can help you look at the big picture of your claim and identify its strengths and weaknesses. If the attorney believes that the case has strong grounding, you may have an opportunity to pursue the insurer for a fair settlement.
Source: Findlaw, “The Other Party’s Insurance Denied the Claim, Now What?,” accessed Sep. 15, 2017