What Do I Do If My Insurance Claim is Denied in Richmond, Virginia?

When you get in a car accident, you’re entitled to compensation for your injuries. Whether this means you’re paid by insurance or an individual, you don’t care. You just know you aren’t to pay for your injuries yourself.

So, what do you do if your insurance claim is denied? In most cases, if you’re hurt in a car accident and submit an insurance claim, it’ll be paid. As long as it’s pretty clear the other driver was at fault, there’s no reason for your claim to be denied. But insurance companies couldn’t stay in business if they paid every claim that came through their doors.

If your insurance claim is denied, you need to contact a car accident lawyer in Richmond, Virginia. The insurance company will have lawyers working for them. You should too.

Your Car Accident Lawyer in Richmond, Virginia Will Deal with the Insurance Adjuster

If your insurance claim is denied, you need an experienced car accident lawyer in Richmond, Virginia. He will deal with the insurance adjuster and try to get your claim paid. He has relationships with a lot of the insurance companies and he will work hard to get your claim approved.

It’s important for your lawyer to know why your claim was denied. Make sure you give him all the paperwork you have received from the insurance company.

Some of the common reasons the insurance company may deny your claim include:

  • The policy wasn’t valid at the time of the accident
  • The driver wasn’t listed on the policy
  • They believe you were at fault
  • The injuries were fake
  • The injuries are minor
  • You have a history of filing false insurance claims

Regardless of the reason, your lawyer will try to get your claim approved. Unless the claim was denied because the policy wasn’t valid, there is a chance of getting it paid. If the policy wasn’t valid, there’s nothing your car accident lawyer can do. If this is the case, you’ll have to pursue the driver personally for your damages.

Your Richmond Car Accident Lawyer Will Try to Settle Your Claim

Whether they admit it or not, nobody wants to go to trial. The insurance company knows it will be time-consuming and expensive to drag the case through court. They want to settle as bad as you do. It’s your lawyer’s job to try to negotiate a settlement with the insurance company.

As part of your settlement, your Richmond car accident lawyer will demand that you be compensated for the following:

  • Medical bills – Current and future.
  • Lost wages
  • Property damage
  • Pain and suffering

All of these will be part of your settlement. And, don’t worry that you’ll get a ton less money in a settlement. If you went to trial, there is a chance you would get nothing. Or, you may get even less than you would through a settlement.

Even if your case went to trial, it would still likely settle. Judges put a lot of pressure on both sides to settle their case. The court doesn’t want to clog up the docket with ongoing cases. They actually require both sides to attend several different settlement conferences. The earlier you settle your case, the more you’ll put in your pocket.

You Should Call an Accident Attorney in Richmond, Virginia Today

If injured in a car accident, you should call a car accident attorney in Richmond today. You don’t want to handle this yourself. You’ll be going up against corporate attorneys for the insurance company at every turn. They have the manpower and experience to make things very difficult for you.

Accident attorneys have decades of experience handling claims just like yours. If your claim is denied, they’ll work hard to get your case settled. They’ll let the insurance company know that you intend to play hardball.

The insurance company knows that when they deny a claim, some people will give up. Some people don’t have the energy or patience to appeal their claim. They don’t think to call an attorney and end up getting nothing. Don’t let this happen to you.

Call and schedule your initial consultation today. It costs you nothing and gives you a chance to discuss your case with a skilled car accident attorney. And remember – you pay nothing until you settle your case!