The whole point of buying insurance is peace of mind. By paying your insurance premiums on time, you expect to have your insurance company there for you when you get hurt and your insurance policy covers the situation.
However, insurance companies exist to make a profit. You can count on them to maximize their own bottom line, and this means taking in as many premiums as possible, while also paying out as little as they can in claims. Unfortunately, this can mean that you face an uphill battle in getting your legitimate claim recognized by your own insurance company. Sometimes, it can take the help of a Philadelphia personal injury attorney like those at Gilman & Bedigian to get your claim approved.
Auto Insurance Basics
Auto insurance is not like many other things that you purchase. When you buy car insurance, the transaction is more complex than normal. Instead of handing over money and getting something that you can touch, in return, like a gallon of milk, when you buy car insurance you agree to make routine payments called a premium. In exchange, the insurance company agrees to pay the costs of any accident that is covered by the terms of the insurance policy. The exact terms of your insurance policy determine exactly what is covered and what is not covered.
In Pennsylvania, you are required to have auto insurance in order to drive. Additionally, your auto insurance is required to cover at least a certain amount in certain circumstances. These amounts are:
- $5,000 in medical benefits coverage,
- $15,000 in per person bodily injury liability coverage per accident,
- $30,000 in total bodily injury liability coverage per accident, and
- $5,000 in property damage coverage per accident.
Auto Insurance Is Supposed to Cover All Valid Claims
If you get into a car accident and file a claim with your insurance company, they are supposed to pay your claim if it falls within the coverage that is stated in your insurance policy. However, there are situations where it is unclear whether you claim is covered. Because insurance companies want to make as much profit as they can, they will deny as many of these claims as possible.
Insurance Claim Denials
After a serious accident, your main focus is on your own well-being. However, when it comes time to pay your medical bills and get compensated by your insurance company, it is all too common for your insurance company to either partially or completely deny your claim. Insurance companies use a variety of reasons why they denied your claim, from arguing that your claim was not covered by your insurance policy, to saying that you failed to uphold your end of the insurance contract. Regardless of the reason, this can put you in a difficult spot, especially if the denial leaves you woefully undercompensated.
How to Get Your Insurance Claim Approved
An insurance claim denial is especially frustrating after you have paid your insurance company thousands of dollars in premiums, all on time, over numerous years. It can feel like your insurance company has betrayed you.
Luckily, there is something that you can do to fight back and enforce your rights under your insurance policy. By hiring a Philadelphia personal injury attorney, you can contest your insurance company's decision to deny your claim and work to ensure you get the compensation that they owe you under the policy.
When you hire an attorney to fight an insurance claim denial, your attorney will conduct an investigation into the accident to determine if your injuries should have been covered. This involves rooting out eyewitnesses and statements made by the other drivers involved in the car accident or your own doctors. By gathering evidence that shows your claim should have been approved, you and your attorney can fight back against the denial and get the compensation that your insurance company really owes.
Philadelphia Personal Injury Attorneys at Gilman & Bedigian
When an insurance company denies your valid claim for compensation, they often try to make it seem like their decision is final. It is not. By having a Philadelphia personal injury attorney from Gilman & Bedigian on your side, you can rest assured that everything possible is being done to ensure you get what you deserve from your insurance company.
Contact the Philadelphia law office of Gilman & Bedigian online or at (800) 529-6162.