Insurance Coverage Disputes

Reasons Car Insurance Companies May Deny Your Claim

When car accidents occur, drivers rely on their insurance to pay for a variety of costs related to a crash. Unfortunately, insurance companies can be unreliable. It is important to understand that insurance providers are only looking out for their best interests, which means that they will do whatever it takes to deny your claim entirely or award you with a reduced settlement.

The following are the most common reasons that insurers give for denying claims:

  • The accident was considered avoidable. If you could have avoided the collision, or if you did something which led or caused it, then you may have your claim denied.

  • There was no complaint or treatment at the time the injury occurred. If you suffered an injury as a result of the car accident, you must get treatment immediately. Otherwise, the insurance provider may argue that the injuries didn’t really happen at the time of the accident or that those injuries are not associated with the collision.

  • Medical records did not indicate any injury. If you don’t have medical records which diagnosed an injury then your claim is most likely denied.

  • You admit fault. You can inadvertently admit fault by saying “I’m sorry” right after an accident since apologizing is often viewed as an admission of guilt to insurance adjusters.

If you sustained an injury in a car accident caused by a negligent driver in Southern California, our Ventura personal injury lawyers at Haffner Law Group can evaluate your situation and help you file an insurance claim.

Contact us and request a free consultation today.