Has your car insurance claim been denied?
You must realize that insurance companies are in the business of denying insurance claims. A denial by an insurance company does not necessarily mean that you are not legally in the right; it simply means that for some reason or another your claim was denied for failing to meet some internal protocol that they have likely set into effect. It is very important to understand that an insurance company is looking for anything they can use to deny your claim, even if it will not hold up to much scrutiny.
A very common example of this is a denial based off of a defendant’s account of the incident. Quite frankly, the defendant can simply lie and say that you were the one who caused the auto accident. Even if all of the other evidence suggests otherwise, the insurance company will likely choose to believe their insured’s account simply because it’s too convenient for them not to. They will then proceed to deny the claim citing that there are inconsistent stories. This is just one example of the many technicalities that an insurance company can use to deny a claim and a one which our Houston car accident injury lawyers understand.
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What does a denial mean in legal terms?
While a denied claim is certainly an obstacle, it is not a legally supported notion. All that it really implies is that the claim has not passed the scrutiny of the insurance company, which is laughable due to the fact that they are the ones who designed the process in the first place. At best it means that the insurance company thinks that they could win if they go to trial.
Ultimately, an insurance company is banking in the possibility that once your claim is denied that you will simply give up. Unfortunately, most people think the insurance company is in the right, and they do not pursue it any further.
What have you got to lose?
It is worth mentioning that if an insurance company denies a car accident claim, it does create some difficulty for an attorney to repair the case at that point. However, it is certainly not impossible, and quite frankly, once your claim has been denied you have nothing to lose by taking legal action against the insurance company.
Our denied car insurance claims attorneys have helped numerous car accident victims take legal action against an insurance company after a claim was wrongfully denied.