Can Insurance Companies Refuse to Handle Your Automobile Accident Claims?

The quickest and most straightforward response to the above question is “Yes.” In fact, most vehicle accident damage claims are settled without a jury trial. However, in order for it to happen, both conflicting parties must be willing to compromise to some level.

The bad news is that insurers often seek to earn more money by being unjust to victims who file insurance claims. If you find yourself in such a predicament, you should contact a personal injury lawyer who has successfully represented victims of vehicle accidents.
While a top lawyer may help you have your claim handled quickly, you should be aware of the major reasons why insurance companies refuse to accept cases.
Rejection of First-Party Claims
If you do not provide a clear account of the vehicle accident, your insurance may refuse your claim. Claim denial may also occur if you wait an extended period of time before submitting the claim. Other typical grounds for rejecting first-party claims include:
Failure to submit precise records of expenditures incurred as a consequence of the accident, including medical charges
Getting treatment for car accident injuries after a lengthy wait
Having a coverage that excludes certain claims made by you
Third-Party Claims Refusal
The following are the most prevalent causes for rejection of third-party claims:
Inadequate Valid Evidence: The country’s legislation mandates insurance firms to thoroughly evaluate any claims made against drivers covered by them. This is not good news for anyone who have been in a vehicle accident. If you want to get the compensation you deserve, you’ll need to provide reliable proof showing you incurred losses as a result of the insured driver’s irresponsible behaviour.
If you are unable to demonstrate that the driver’s careless behaviour was directly responsible for your losses, the insurance company will not accept financial responsibility for your losses. You will be required to produce the following documents:
The accident’s police report
Evidence of property damage
Medical records demonstrating your injuries
Statements made by eyewitnesses
Inadequate Coverage: Insurance companies may also refuse to accept your claim if the motorist who caused the accident does not have enough coverage. If you’re unfortunate, you can also come across drivers who don’t have any insurance at all.
Administrative Concerns: Insurance companies are required by law to provide a time restriction for submitting vehicle accident claims in the nation. If you do not submit your claim within the specified time frame, you will not be compensated. That’s all there is to it. Your claim will also be refused if you provide incorrect or incomplete information.
It is difficult to resolve third-party disputes without the aid of a lawyer. This is due to insurance firms putting in their best efforts to establish that external forces were to blame for your losses. Bad road conditions, pre-existing injuries, and so on are examples of such factors.
Final Thoughts
If you want to be properly reimbursed, you must contact an expert automobile accident attorney as soon as possible following the accident. However, before choosing a lawyer, do extensive research.