If you have been in a car accident and filed a claim with your insurance company, receiving a denial can be frustrating and overwhelming. The insurance company may have cited various reasons for denying your claim, leaving you with mounting medical bills and vehicle repair costs. 

However, it is essential to understand that receiving a denial is not the end of the road. You can take steps to appeal the decision or take legal action to recover your damages. It will help if victims understand and discuss with a lawyer what to do if the insurance company denies their car accident claims in Vermont and the options available to them.

Steps to take if the insurance company denies your car accident claim: 

  • Review your policy

If the insurance company denies your car accident claim, the first step you should take is to review your insurance policy carefully. Ensure that the terms and conditions of your policy have been followed and that there are no exclusions or limitations that may have affected the outcome of your claim. You can contact your insurance agent or a personal injury lawyer for guidance if you have any questions or concerns about your policy.

  • Gather evidence

If the insurance company has denied your car accident claim, gathering evidence to support your case is vital. It may include witness statements, photographs, medical records, and police reports. This evidence can help you prove that the accident occurred and that you are entitled to compensation for your injuries and damages. 

It is also important to gather any correspondence between you and the insurance company, including claim forms and denial letters, to help you understand the denial’s basis and support your appeal or litigation.

  • Consult an attorney

If the insurance company denies your car accident claim, it is essential to consult an attorney who specializes in personal injury and car accident cases. An experienced attorney can help you navigate the complex legal process, negotiate with the insurance company, and represent you in court if necessary. 

They can also review your policy, gather evidence, and provide expert advice on the best course of action to take. With their knowledge and experience, an attorney can help you fight for the compensation you deserve for your injuries and damages.

  • File an appeal

If your car accident claim is denied by the insurance company, filing an appeal is an option to pursue. The appeal process involves a review of the denied claim by an independent party. You may be required to submit additional evidence to support your claim. 

It is essential to consult with an experienced personal injury attorney to guide you through the appeal process. They can help ensure that all necessary documents are submitted on time and that your appeal is strong enough to overturn the insurance company’s decision.

Why does the insurance company deny your claim?

Following an injury, you are allowed to seek financial compensation. However, when you file a claim, the insurance company can be quick to deny your claim. 

Although there is no fixed reason for why your claim will be denied, there are some possible reasons that can cause them to deny compensation. Here are a few of them: 

  • You missed the statute of limitation.
  • You submitted the wrong documents. 
  • You missed submitting the appropriate documents. 
  • You did not submit evidence against the at-fault party. 
  • The insurance company suspected that you were exaggerating or lying about your injuries. 
  • The insurance company claims that you were at fault for the accident. 
  • You failed to comply with the policies and rules set by the insurance company. 

Your claim can be denied due to various reasons. However, it is better to find the reason by working with your attorney. 

Tips to ensure the insurance company does not deny your car accident claim 

It is vital to follow the right practice to ensure your claim is not denied or lowered by the insurance company. This can be done by taking several methods. 

  • Thoroughly review your documents before submitting them. 
  • Collect as much crucial evidence as you can to prove negligence, injuries, and damages. 
  • Avoid posting anything about your car accident, injuries, or even your claim on social media. This is because even if you post an old picture of you having fun without a date stamp, the insurance company will claim that the pictures are the latest. 
  • Never go against or miss out on your doctor’s advice. This is because delaying medical treatment or disobeying your doctor’s advice can have adverse consequences in claiming that your injuries are not as severe as you are saying. 
  • Make sure your witness is not your family. Often insurance company does not accept your family or friend as a witness in a car accident claim. 
  • Always work with an attorney with reliable experience and expertise in the same field. They can help in ensuring your claim does not get denied.