What If My Car Accident Claim Was Denied by The General Insurance?
Were you or someone you love injured in a recent car accident? If you were, and your insurance claim was denied, you do not have to stop fighting for financial recovery. An initial rejection of your claim does not have to be final. A personal injury lawyer in your area can help you know what to do if your car accident claim was denied by The General Insurance.
Insufficient evidence, an expired statute of limitations, and bad faith insurance practices are all reasons The General Insurance might give for not approving your claim. A car accident attorney familiar with the personal injury and insurance laws of your state can help you overcome these reasons and fight for the compensation you need and deserve.
Reasons The General Insurance Might Attempt to Reject Your Claim
If you were denied coverage and compensation after a car accident, the representative from The General Insurance may cite one or more of the following reasons for doing so:
- Non-payment or default of premiums
- Allegations of false or faulty information related to your claim
- You failed to report the accident within the allotted time
- You failed to provide medical records or a police report
- You were at fault for causing or contributing to the collision
If you are recovering damages from your own policy with The General Insurance, they may also assert that you are misreading or misunderstanding your policy. A car accident lawyer in your area can help you refute the reason your claim was denied and build an effective appeal.
The Role of Bad Faith in Auto Insurance Denials
Sometimes, an insurance company can deny your claim without good reason. Commonly reported bad faith insurance practices include:
- Delaying your claim without justification
- Not investigating your allegations of negligence
- Making intentional lowball offers
- Failing to acknowledge or respond to your case
- Refusing to pay a valid case without cause
A personal injury lawyer familiar with bad faith insurance law can protect you from these unscrupulous tactics if they figure into your case. They can also help you hold the insurer financially responsible for them.
A Personal Injury Lawyer Can Help Resolve Your Case
If your case is based on a denied insurance claim, your lawyer will file an appeal on your behalf. They will also:
- Read and review correspondence related to your denial
- Calculate the financial value of your recoverable damages
- Conduct an independent investigation into your accident
- Obtain, complete, and submit claim forms and paperwork
Your lawyer will also negotiate on your behalf and ensure your case meets all legal parameters and is filed on time.
Your Legal Team Will Collect Evidence That Supports Your Claim
To ensure your car accident claim or appeal is resolved in your favor, your lawyer will collect the following evidence on your behalf:
- Medical records
- Income records
- Car accident report
- Photos and videos
- Witness statements
Your legal team will compile your evidence into a case file and present it to the at-fault insurer when negotiating your case. If your case goes to court, they will prepare your evidence and any beneficial exhibits for trial.
Do Not Let Time Run Out on Your Right to Recover Damages
Your right to recover damages after a car accident has a time limit. Your representative and representatives for the insurance company will pay close attention to the statute of limitations in your state.
If it expires, The General Insurance’s representatives may refuse to negotiate with you at all. When you are represented by a car accident lawyer, they will ensure the statute of limitations is correctly interpreted and complied with.
An Appeal Can Help You Recover Financial Compensation
Most personal injury cases are settled outside of court. If yours cannot be resolved with a settlement, a personal injury lawyer will represent you in court on a contingency fee basis. You will only compensate your lawyer when they recover compensation for you.
At no upfront cost, your lawyer will help you recover the following economic and non-economic damages:
- Past, present, and future medical bills
- Past, present, and future loss of income
- Treatment-related travel expenses
- Property damage and destruction
- Physical disability or disfigurement
- Physical and emotional pain and suffering
Your lawyer can also help you recover additional damages if The General Insurance is found liable for committing bad faith insurance practices. Your lawyer will help you assess your damages and ensure none are overlooked, undervalued, or underpaid.
Call Anytime for Your Free Case Review
Do you know what to do if you were injured by an at-fault driver and your car accident claim was denied by The General Insurance? At Laborde Earles Injury Lawyers, our client-focused team knows what to do to help you explore additional options for financial recovery.
Contact one of our team members today to get a free review of your case at no cost or obligation to you.
