{"id":4103,"date":"2022-02-17T12:53:59","date_gmt":"2022-02-17T12:53:59","guid":{"rendered":"https:\/\/www.therollinsfirm.com\/?p=4103"},"modified":"2022-02-23T13:15:06","modified_gmt":"2022-02-23T13:15:06","slug":"car-insurance-claims-denied-what-you-can-do","status":"publish","type":"post","link":"https:\/\/www.therollinsfirm.com\/car-insurance-claims-denied-what-you-can-do\/","title":{"rendered":"Car Insurance Claims Denied? What You Can Do"},"content":{"rendered":"<p><span style=\"font-weight: 400;\"><img decoding=\"async\" class=\"aligncenter wp-image-4104 size-full lazyload\" title=\"car accident claims\" data-src=\"https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2022\/02\/car-accident-claim.jpg\" alt=\"car accident claims\" width=\"626\" height=\"417\" data-srcset=\"https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2022\/02\/car-accident-claim-200x133.jpg 200w, https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2022\/02\/car-accident-claim-300x200.jpg 300w, https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2022\/02\/car-accident-claim-400x266.jpg 400w, https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2022\/02\/car-accident-claim-600x400.jpg 600w, https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2022\/02\/car-accident-claim.jpg 626w\" data-sizes=\"(max-width: 626px) 100vw, 626px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 626px; --smush-placeholder-aspect-ratio: 626\/417;\" \/><noscript><img decoding=\"async\" class=\"aligncenter wp-image-4104 size-full\" title=\"car accident claims\" src=\"https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2022\/02\/car-accident-claim.jpg\" alt=\"car accident claims\" width=\"626\" height=\"417\" srcset=\"https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2022\/02\/car-accident-claim-200x133.jpg 200w, https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2022\/02\/car-accident-claim-300x200.jpg 300w, https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2022\/02\/car-accident-claim-400x266.jpg 400w, https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2022\/02\/car-accident-claim-600x400.jpg 600w, https:\/\/www.therollinsfirm.com\/wp-content\/uploads\/2022\/02\/car-accident-claim.jpg 626w\" sizes=\"(max-width: 626px) 100vw, 626px\" \/><\/noscript> <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Have you been in an accident and thought, &#8220;I can&#8217;t wait to receive my car insurance claims money?&#8221; But now, you are facing a claim denied by your insurance provider. What now?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The good news is that car accident lawyers at <\/span><a href=\"https:\/\/www.therollinsfirm.com\/\"><span style=\"font-weight: 400;\">The Rollins Law Firm<\/span><\/a><span style=\"font-weight: 400;\"> are going to highlight some things you can do to ensure you get the best possible outcome if your car insurance claim is denied.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">First, let us examine the reasons for claim denials and what you can do about them.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_was_the_reason_for_the_denial_of_my_car_accident_claims\"><\/span><span style=\"font-weight: 400;\">What was the reason for the denial of my car accident claims?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-66340fa7b5eed\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-66340fa7b5eed\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.therollinsfirm.com\/car-insurance-claims-denied-what-you-can-do\/#What_was_the_reason_for_the_denial_of_my_car_accident_claims\" title=\"What was the reason for the denial of my car accident claims?\">What was the reason for the denial of my car accident claims?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.therollinsfirm.com\/car-insurance-claims-denied-what-you-can-do\/#How_do_insurance_adjusters_estimate_the_worth_of_a_claim_or_settlement_offer\" title=\"How do insurance adjusters estimate the worth of a claim or settlement offer?\">How do insurance adjusters estimate the worth of a claim or settlement offer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.therollinsfirm.com\/car-insurance-claims-denied-what-you-can-do\/#What_to_do_if_your_car_accident_claim_is_denied\" title=\"What to do if your car accident claim is denied?\">What to do if your car accident claim is denied?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.therollinsfirm.com\/car-insurance-claims-denied-what-you-can-do\/#Immediately_file_a_claim\" title=\"Immediately file a claim.\">Immediately file a claim.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.therollinsfirm.com\/car-insurance-claims-denied-what-you-can-do\/#Speak_to_your_own_insurer\" title=\"Speak to your own insurer.\">Speak to your own insurer.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.therollinsfirm.com\/car-insurance-claims-denied-what-you-can-do\/#Get_precise_costs\" title=\"Get precise costs\">Get precise costs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.therollinsfirm.com\/car-insurance-claims-denied-what-you-can-do\/#Know_your_rights_if_you_dont_like_the_car_insurance_deal\" title=\"Know your rights if you don&#8217;t like the car insurance deal\">Know your rights if you don&#8217;t like the car insurance deal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.therollinsfirm.com\/car-insurance-claims-denied-what-you-can-do\/#Contact_a_vehicle_accident_lawyer_right_away\" title=\"Contact a vehicle accident lawyer right away.\">Contact a vehicle accident lawyer right away.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.therollinsfirm.com\/car-insurance-claims-denied-what-you-can-do\/#Dont_let_your_car_insurance_company_take_advantage_of_you\" title=\"Don&#8217;t let your car insurance company take advantage of you.\">Don&#8217;t let your car insurance company take advantage of you.<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><b style=\"font-size: 16px;\">1. Driving without a license<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Driving without a license, or driving while drunk are all reasons why your vehicle insurance claim may be denied. Because these practices are unlawful in Mississippi the insurance company cannot authorize the lawsuit.<\/span><\/p>\n<p><b>2. Failing to notify your insurer<\/b><\/p>\n<p><span style=\"font-weight: 400;\">This is a typical error most policyholders make. You may fix the automobile yourself and then notify the insurance company. This makes it harder for the insurance provider to examine the damage and approve your claim.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Always notify your insurer before having your automobile fixed. The insurance will send an authorized person to evaluate the damage, estimate the repair cost, and assist you in filing the correct claim.<\/span><\/p>\n<p><b>3. Not paying your policy&#8217;s premium<\/b><\/p>\n<p><span style=\"font-weight: 400;\">To be eligible for a claim, you must pay the predetermined amount of the premium before the due date. If you miss a premium payment, your insurance coverage will expire, and the insurer will be unable to handle your claim. Paying the insurance premium on time helps prevent unwanted denials.<\/span><\/p>\n<p><b>4. Giving False Information<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Your claim will be refused if you submitted inaccurate information while obtaining a policy to minimize the premium.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Incorrect information provided to your insurer may result in claim rejection or cancellation of your insurance coverage.<\/span><\/p>\n<p><b>5. Not reporting the accident<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Insurance companies expect you to submit a claim quickly but often give you a deadline. Your claim may be refused if you delay reporting it or present incorrect paperwork. Notify your insurance provider before repairing your automobile.<\/span><\/p>\n<p><b>6. Extending Your Driving Range<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Your claim might be refused if your accident occurred beyond the policy&#8217;s coverage region. Read your insurance policy&#8217;s terms and conditions carefully to learn the geographical restrictions.<\/span><\/p>\n<p><b>7. Adding New Accessories to Your Car<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Any additional components, accessories, or modifications stated in the preceding policy are automatically covered when renewed. However, you must notify your insurer if you have changed your automobile or added new accessories during the coverage time.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Insurance companies will add these extras to your coverage after checking your car. If you don&#8217;t report these modifications, your claim may be denied.<\/span><\/p>\n<p><b>8. Disobeying Rules<\/b><\/p>\n<p><span style=\"font-weight: 400;\">There are special restrictions to obey, such as underage driving and intoxicated driving. Your personal damage claim will be denied if your drinking and driving caused the automobile accident.<\/span><\/p>\n<p><strong>9. <\/strong><b>Lack of action<\/b><\/p>\n<p><span style=\"font-weight: 400;\">You must submit a car insurance claim within a certain time frame and assist the claims staff with any event-related facts. If you have filed a claim for an automobile accident, the claims inspector may interview you. You must respond honestly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you don&#8217;t submit an honest account or the necessary documentation, the insurance company may contact you but may ultimately deny your claim for non-cooperation.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_do_insurance_adjusters_estimate_the_worth_of_a_claim_or_settlement_offer\"><\/span><span style=\"font-weight: 400;\">How do insurance adjusters estimate the worth of a claim or settlement offer?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Following an accident, the liable party&#8217;s insurance company is expected to pay the following costs:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical bills and related charges<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lost earnings from a job and other sources of income<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pain and physical suffering<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Permanent physical disability or deformity<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emotional harm caused by the expenses as mentioned earlier<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In cases when pain and suffering isn&#8217;t a factor, the medical and repair bills are routinely added up. Aside from paying for your medical costs, car repairs or replacement, and missed earnings, your insurance provider will pay for your pain and suffering.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When calculating the value of a personal injury claim, insurance companies employ a multiplier technique. Unlike an accident attorney, insurance companies employ complicated computer systems to establish the multiplier. The damage formula is the calculation used by insurance companies to compute for the pain and suffering.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_to_do_if_your_car_accident_claim_is_denied\"><\/span><span style=\"font-weight: 400;\">What to do if your car accident claim is denied?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Immediately_file_a_claim\"><\/span><b>Immediately file a claim<\/b><span style=\"font-weight: 400;\">.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Many insurance companies allow you to file a claim online, so you should be able to do so as you wait for the police. If not, contact your agent right away. Get the other driver&#8217;s insurance information immiediately, and don&#8217;t let them persuade you out of contacting the police.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A police report may greatly assist in substantiating a claim. Take plenty of photos or videos to verify the level of damage before filing a claim.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Speak_to_your_own_insurer\"><\/span><span style=\"font-weight: 400;\">Speak to your own insurer.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When feasible, avoid claiming with the other driver&#8217;s insurance, even if that business must pay since the other motorist was at fault. Your insurer may assist you in recovering expenditures from the other driver&#8217;s insurer via subrogation. Keep in mind that your insurer has more legal and insurance professionals than you.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Get_precise_costs\"><\/span><span style=\"font-weight: 400;\">Get precise costs<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The more facts you have, the higher your chances of winning your claim. Ask your repair company for an itemized, thorough quotation of repairs. Don&#8217;t go anyplace for your repair quotes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you don&#8217;t have a reputable mechanic, request quotes from friends and relatives. Your insurance may want you to acquire an estimate from one shop, but you should also seek quotes from other businesses to compare prices.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Know_your_rights_if_you_dont_like_the_car_insurance_deal\"><\/span><span style=\"font-weight: 400;\">Know your rights if you don&#8217;t like the car insurance deal<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If your automobile is totalled, expect the payout to be less than what you owe on it or what you believe it is worth.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cars are often insured for &#8220;Actual Cash Value&#8221; (ACV). That is, the selling value will decide how much they compensate you. The real cost may change depending on the service used to establish market value.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you believe your automobile is worth more than the ACV, you may need to prove it. These include how effectively you maintained the automobile, whether you kept it in the garage, and how often you performed maintenance. This may demand receipts and paperwork, so retain all receipts and records if you do this.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Contact_a_vehicle_accident_lawyer_right_away\"><\/span><b>Contact a vehicle accident lawyer right away<\/b><span style=\"font-weight: 400;\">.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you are hesitant about implementing these procedures or need an expert&#8217;s opinion, please contact us. Our <\/span><a href=\"https:\/\/www.therollinsfirm.com\/personal-injury\/\"><span style=\"font-weight: 400;\">personal injury lawyers<\/span><\/a><span style=\"font-weight: 400;\"> in Jackson may examine the case and your supporting documents to draft a demand letter requiring the insurance company to respond and explain its claim denial. If you believe your claim was wrongfully refused, you may choose to appeal.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Dont_let_your_car_insurance_company_take_advantage_of_you\"><\/span><span style=\"font-weight: 400;\">Don&#8217;t let your car insurance company take advantage of you.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As you can see, it&#8217;s in your interests to <\/span><a href=\"https:\/\/www.therollinsfirm.com\/contact-us\/\"><span style=\"font-weight: 400;\">contact an experienced attorney<\/span><\/a><span style=\"font-weight: 400;\"> immediately if you&#8217;ve been in an accident, you need a car insurance adjuster, and\/or if you&#8217;ve been denied coverage for any other reason. Why wait? Call Rollins Law Firm now.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Rollins Law Firm doesn&#8217;t just represent clients in personal injury cases; we also help clients with insurance disputes. We understand that you cannot afford to have your claim denied, no matter the reason. That&#8217;s why we are available for you 24\/7 to help you navigate the often unfamiliar waters of insurance claims.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Have you been in an accident and thought, &#8220;I can&#8217;t wait to receive my car insurance claims money?&#8221; But now, you are facing a claim denied by your insurance provider. What now? The good news is that car accident lawyers at The Rollins Law Firm are going to highlight some things you can do to ensure you get the best [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4105,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[105],"tags":[],"_links":{"self":[{"href":"https:\/\/www.therollinsfirm.com\/wp-json\/wp\/v2\/posts\/4103"}],"collection":[{"href":"https:\/\/www.therollinsfirm.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.therollinsfirm.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.therollinsfirm.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.therollinsfirm.com\/wp-json\/wp\/v2\/comments?post=4103"}],"version-history":[{"count":3,"href":"https:\/\/www.therollinsfirm.com\/wp-json\/wp\/v2\/posts\/4103\/revisions"}],"predecessor-version":[{"id":4108,"href":"https:\/\/www.therollinsfirm.com\/wp-json\/wp\/v2\/posts\/4103\/revisions\/4108"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.therollinsfirm.com\/wp-json\/wp\/v2\/media\/4105"}],"wp:attachment":[{"href":"https:\/\/www.therollinsfirm.com\/wp-json\/wp\/v2\/media?parent=4103"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.therollinsfirm.com\/wp-json\/wp\/v2\/categories?post=4103"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.therollinsfirm.com\/wp-json\/wp\/v2\/tags?post=4103"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}