Insurance companies are more than happy to take our money for insurance premiums, promising coverage in the event of an accident or another emergency. However, when the time comes for the insurance company to pay out after a claim, they may be less willing to hold up their share of the bargain. The insurance company may resist paying the premium or offer only partial coverage. In some cases, the insurance company will even try and say that the claim isn't real, and deny all coverage. This is when you may have to hire an attorney to fight to get the coverage you are owed.
Auto Insurance Coverage and Valid Claims
The Metro D.C. area has some of the highest auto insurance rates in the country. Most drivers end up going through their policy period never making any claim. Instead, we just consider another cost of being able to drive in this country. However, in the event of an accident, the insurance company should follow through with their promise to provide coverage for bodily injury and property damage.
Your coverage limits will depend on your level of coverage. Drivers in Washington D.C. are required to have minimum coverage of: $25,000/$50,000 bodily injury liability, $10,000 property damage liability, $25,000/$50,000 uninsured motorist bodily injury, and $5,000 uninsured property damage coverage. However, many drivers increase their limits, reduce deductibles, or opt for Personal Injury Protection (PIP) coverage.
After an accident, drivers are supposed to notify their insurance company of the accident and file a claim. Depending on the terms of the insurance policy, your insurance company may be required to compensate you for your injuries and property damage. This may include medical bills, emergency treatment, surgery, medications, medical supplies, and ongoing care.
The Insurance Company Denied My Claim
After a serious accident, the injured individual has enough to deal with in seeking medical treatment and trying to recover. They don't need the added hassle of fighting with the insurance company. Unfortunately, it can be common for insurance companies to partially or totally deny the insured's claim.
There are many reasons why an insurance company may say your claim is not valid. This includes claiming the type of accident is not covered by your policy, that you did something to nullify the coverage, that you were responsible for the accident, or even claim you are faking the injuries. After someone's claim is denied, they may try and call the insurance company to plead their case or even get their doctor to send some additional documentation. However, if the insurance company keeps saying “no,” most people will give up, thinking they can't do anything about it.
Getting Your Claim Approved
If your claim was wrongly denied by your insurance company you should fight back to make sure you get the compensation you deserve. After years of paying thousands of dollars to the insurance company, they need to be held responsible for the coverage they have promised. By contacting an experienced, Washington D.C. personal injury attorney, you will have someone to deal with the insurance company to get your claim approved and your damages covered.
When the insurance company denies because they think you caused the accident, you may not have any video proof or independent eyewitnesses to back up your claim. You may think you only have your word against the insurance company's. However, your attorney can conduct an investigation into the accident, and seek experts to verify your claims. With an expert report backing up your side of the story, you stand a good chance to win compensation in your case.
Perhaps the most frustrating experience anyone can go through with an insurance company is when they claim the injuries are not real. After an accident where the injured driver suffered a broken bone, laceration, or a severed limb, there is physical evidence of the injury. However, not all injuries are so easy to identify.
Many car accidents involve long-term chronic injuries that may not be easy to diagnose. You may be suffering back pain, neck pain, headaches, nausea, or numbness and tingling. Even the doctor may not be able to pinpoint the cause of the injury or understand how to treat it. Then, when the insurance company comes along and says they don't believe you are injured, it can be infuriating.
The good news is that there are ways to fight back against the insurance company that does not believe your claims are real. By hiring an attorney, you will have someone to deal with the insurance company so you can focus on getting better. They will seek compensation for your injuries, and if necessary, take your insurance company to court. Don't let the insurance company get away with denying your claim for no reason.
DC Accident Attorneys
If your insurance company does not believe your claim, contact an attorney who will fight back against the insurance company to get you the compensation you deserve. With an experienced personal injury attorney on your side, the insurance company will begin to take your claim much more seriously. At Gilman & Bedigian, we will make sure you get the compensation you deserve. If you were injured in a car accident, please do not hesitate to call our office today for a free consultation.