In an ideal world, your auto insurance claim would be paid right away. You wouldn’t have to worry about it being denied. Nor would you need a Norfolk car accident lawyer. However, we do not live in an ideal world. You may need to file an appeal or even take legal action to get the compensation you deserve.
When Should You File Your Initial Insurance Claim?
It’s important that you file your insurance claim within days of your accident. All insurance companies have the right to deny a claim if it’s not filed in a timely fashion. The problem is that all companies have their own rules and deadlines. Rather than miss this deadline, just get your claim filed as soon as possible after your crash.
Why Would Your Claim Be Denied?
There are a variety of reasons why your insurance claim could be denied. It could be a simple matter of forgetting to submit certain paperwork. If that’s the case, your Norfolk car accident lawyer can resolve that rather quickly. However, if it’s for another reason, it could take quite some time to resolve your claim. Some of the common reasons an insurance claim would be denied include the following:
- The policy wasn’t valid
- They believe you were at fault
- The insurance adjuster doesn’t believe you were seriously injured
- You have a history of filing auto insurance claims
- They would rather take their chances in court
Depending on the facts of your case, a settlement of your claim may be possible. If your claim is really large, there’s a chance it could be denied. Some insurance companies would rather wait it out, knowing there will be a settlement down the road for less money. If your claim is small, it may be cheaper and easier for them to just pay it. Your Norfolk car accident lawyer is familiar with the various insurance companies. They know how your claim is likely to proceed.
Your Norfolk Car Accident Attorney Can File an Appeal
Depending on the reason why your claim was denied, your Norfolk car accident lawyer may be able to file an appeal. There are certain times when your attorney won’t be able to change the insurance adjustor’s mind. If the claim was denied because the policy was invalid, they’re not going to pay a dime. The same is true if the vehicle was stolen at the time of the accident. However, for most other reasons, there’s a good chance your Norfolk car accident lawyer will be able to negotiate a settlement.
If the Appeal isn’t Successful, You Can File Suit
There’s a good chance your Norfolk car accident lawyer will be able to negotiate a settlement of your claim. That may not be possible. If the insurance company is confident that they’d prevail in court, they won’t want to pay upfront. However, once they meet with your lawyer, they may change their minds. When they realize that you intend to file suit, they may think twice about being so stubborn.
Just keep in mind- even if you have to file a suit, you can still settle. In fact, more than 95% of all car accident cases do settle long before trial. It’s in everybody’s best interest. Trials are expensive and time-consuming. There’s also the chance that you could lose in court and get nothing. Rather than take that risk, your Norfolk car accident lawyer will work hard to settle your case.
Contact a Skilled Norfolk Car Accident Lawyer Immediately
If you’re seriously hurt in a car accident, you have options. You can try to handle the insurance claim yourself. If it gets paid, that’s great. You’ll have your check within a week or two. However, if your claim is denied, it may be time to speak with a skilled Norfolk car accident lawyer. The insurance company will take your claim more seriously if you have a lawyer representing you. They won’t ignore your lawyer’s phone calls or emails. Nor will they try to get them to accept a lowball settlement.
All you have to do is call our office and schedule your free, initial consultation. Sit down with a Norfolk car accident lawyer who can answer any of your questions. They can also give you an idea of what your case may be worth. Let them review your case thoroughly and make a fair evaluation. The consultation is free, and you don’t have to pay anything until your case is resolved.
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