What If My Car Accident Claim Was Denied By National General Insurance?
Would you know what to do if you were injured in a car accident caused by another driver and your car accident claim was denied by National General Insurance? A personal injury lawyer can explain your financial recovery options which can include filing an appeal, taking your case to court, or filing a potential lawsuit for bad faith insurance practices.
You do not have to accept a denial of your claim as a final answer. Most car accident cases are settled without going to court. If your request from National General Insurance cannot be resolved with a settlement, a personal injury lawyer will help you prepare your case for court and keep fighting to recover the expenses and losses caused by the at-fault driver.
What Reasons Might Cause National General Insurance To Deny My Claim?
If National General Insurance denies your request for compensation after an accident, they are required to explain their reasons for doing so. Some common reasons insurance companies refuse to pay third-party claims include:
- You contributed to the negligence that caused the accident.
- Your injuries were not documented or as serious as alleged.
- The statute of limitations ran out before you sought compensation.
Common reasons insurance companies refuse to pay out on your own policy (if a hit-and-run, uninsured, or underinsured driver was at fault) include not acknowledging the uninsured or underinsured portion of your policy.
Your lawyer can help you respond to the reasons your compensation request was rejected. They can also help you file a well-documented, compelling case file that establishes your right to recover damages. If your case was rejected because of bad faith insurance tactics, your lawyer will explain your options for holding the insurer accountable for these illegal tactics.
How Can A Personal Injury Lawyer Help Me Get Compensation?
A personal injury lawyer can help you keep fighting for compensation after your car accident claim was denied by:
- Filing an appeal with National General Insurance
- Taking the at-fault driver to court if his policy lapsed
- Taking the insurer to court if they practiced bad faith tactics
You do not have to stop fighting for recoverable damages if the other involved driver was responsible for the accident. Most personal injury lawyers in your area will represent you on a contingency fee basis — at no upfront or out-of-pocket costs. That means you can take on the insurance company and your lawyer will not expect compensation until your case is favorably resolved with a negotiation or trial verdict.
What If The Evidence Proves National General Insurance’s Driver Was At Fault?
In personal injury cases like car accidents, you are required to prove the following elements of negligence:
- Duty of care
- Breach of duty
- Cause of injuries
- Financial damages
If the evidence you and your attorney collected establishes these facts, you are entitled to compensation. Compelling evidence of negligence can include medical records, photos and videos, your car accident report, and statements from available witnesses.
A Lawyer Can Explain The Timing And Timeline Of Your Compensation Request
On your own, it can be hard to understand the potential timeline of your case. Your lawyer will explain:
- The statute of limitations
- Factors that cause it to fluctuate
- How to ensure compliance
They will also make sure you understand your rights and the insurance company’s responsibility. There are laws in place that govern how much time the insurer has to acknowledge your claim, respond to it, and pay out once a settlement agreement has been reached. Your lawyer will ensure your rights are complied with or hold the insurer responsible for their failure to do so.
Economic And Non-Economic Damages You Can Recover
An at-fault driver’s negligence entitles you to recover financial damages from them or from their insurance provider. Even if your case was denied at first, a personal injury law firm can review your case and file an appeal on your behalf.
Recoverable damages from a car accident typically include:
- Financial damages including past and future medical bills and lost wages. Financial damages also include assistive medical devices, treatment-related travel expenses, and the costs to repair or replace your damaged or destroyed vehicle.
- Non-financial damages including past and future pain and suffering. Non-financial damages can also include physical disability, physical disfigurement, mental anguish, and emotional trauma.
Whether via appeal or in court, the law firm that represents you will help you fight to recover these damages.
Call 24/7 For A Free Review Of Your Car Accident Case
Were you or someone you love injured in a car accident? If your car accident claim was denied by National General Insurance, our team at Laborde Earles Injury Lawyers can help you file an appeal, effectively navigate the appeals process, and fight for the compensation you need and deserve.
Get started today by contacting one of our car accident team members for a no-cost, no-obligation case review today.
