June 4, 2024

Can My Insurance Company Deny a Car Accident Claim?

Contact Our Montgomery County Car Accident Lawyers at the Law Firm of Anthony C. Gagliano III, P.C. if Your Insurance Claim Was Denied

People who survive car accidents with serious injuries typically file insurance claims, expecting to receive compensation for their damages. However, things do not always go smoothly because of unexpected delays and denials. That certainly complicates things if you are recovering from injuries with a pile of unpaid medical bills on your desk. Here is why delays and denials happen and what to do about them.

What Are Pennsylvania’s Car Insurance Requirements?

In Pennsylvania, drivers must carry liability coverage with minimum limits:

  • $15,000 for bodily injury per person
  • $30,000 for bodily injury per accident and $5,000 for property damage

Additionally, drivers can choose between full and limited tort options, affecting their ability to seek compensation for pain and suffering after an accident. Understanding and complying with these requirements is important for all Pennsylvania motorists.

Why Are Insurance Claims Denied?

Insurance claims are denied for reasons like incomplete documentation, lack of evidence, or disputes over liability.

The extent of your insurance coverage can also play a key role in determining the outcome of a claim denial. Different policies may offer varying levels of coverage for specific incidents or damages. Be familiar with the scope of your coverage and any limitations or exclusions outlined in your policy. That knowledge can help you anticipate potential claim denials and proactively address them.

What Should I Do If My Claim Is Denied?

If your claim is denied, we recommend reviewing the denial letter carefully. Insurance companies are required to provide a detailed explanation for the denial, citing specific reasons and policy provisions. Once you understand the basis for the denial, you can determine the best course of action.

Consider if the denial is justified based on the terms of your policy. If you believe the denial is unwarranted, you can appeal the decision. That generally involves submitting additional documentation or further explaining your claim. An experienced attorney can help you with the appeals process and advocate for your rights.

Are There Time Limits for Filing an Insurance Claim?

Insurance policies often include deadlines for filing claims, known as the statute of limitations. These time limits vary depending on the type of insurance and the policy terms. Be aware of these deadlines and file your claim promptly to avoid a potential denial based on lateness.

If you are unsure about the time limits for filing a claim, review your insurance policy or consult your insurance agent. Missing the deadline could jeopardize your ability to receive compensation, so it makes sense to act swiftly.

What Can I Do to Prevent Claim Denials in the Future?

While claim denials can be frustrating, there are steps you can take to minimize the risk of facing a denial in the future.

  • Review your insurance policy thoroughly to understand your coverage and any exclusions or limitations.
  • Keep detailed records of all communications with your insurance company, including claim submissions and correspondence.
  • Promptly report any incidents or damages to your insurance company for timely claim processing.
  • Maintain your property and adhere to safety guidelines to prevent accidents and minimize the likelihood of claims.

Contact Our Montgomery County Car Accident Lawyers at the Law Firm of Anthony C. Gagliano III, P.C. if Your Insurance Claim Was Denied

Our experienced Montgomery County car accident lawyers at the law firm of Anthony C. Gagliano III, P.C. assist clients with insurance claim disputes and can provide the trusted legal guidance you need to pursue a favorable resolution. Submit our online form or call 267-861-7100 for a free consultation. Located in Philadelphia and King of Prussia, Pennsylvania, we serve clients in Montgomery County, Delaware County, Bucks County, Chester County, and Norristown.