Car Accident Lawyers in Charlotte Look at Why Large Insurance Claims Get Denied

charlotte car-accident-social-media

As car accident lawyers in Charlotte, we know how hard it can be to deal with the insurance company. You need to fill out a ton of paperwork and pray they pay your claim. They may require you to get more than one estimate on your car. Or, they tell you they are only willing to pay a part of your claim.

For other people, it’s not even a matter of being asked to provide a ton of information. Some people have a hard time even getting a return call or email from the insurance adjustor. Weeks can go by without hearing a word. In the meantime, you’re home wondering how you’re going to pay to get your car fixed. And, if your injuries are serious, you’ll have to worry about how to pay your bills at the same time.

What you need to understand is that the insurance company is more likely to pay smaller claims than bigger ones. This means that, the smaller your claim, the better the odds are that your claim will be paid. And, if you’re very unlucky, your claim will be denied all together. That’s when it’s time to call car accident lawyers in Charlotte, North Carolina. They’ll make sure your claim is handled properly from the start. They’ll also make sure the insurance adjustor doesn’t ignore you or try to take advantage of you.

It Doesn’t Make Sense to Pay More to Fight a Claim Than to Just Pay It

The biggest reason why most insurance companies choose to pay smaller claims is simple. They aren’t going to spend more money to fight a claim than it would cost to just pay it. For example, if you put in a claim for $3,000 in property damage, it’s easy enough to justify. The insurance company will make you provide them with an estimate of what it’ll cost to fix your car. If this amount is close to your claim amount, it makes sense to pay it.

On the other hand, if you’re demanding $250,000 in medical bills, along with pain and suffering, that’s another story. The insurance company knows that they can probably settle for much less down the road. Even if they spend $10,000 to defend the claim, that’s much less than the amount they’ll save when they negotiate a settlement with your Charlotte car accident attorney.

What Reasons Will the Insurance Company Give for Denying Your Claim?

The reasons the insurance company will give for denying your claim depends on the facts of your case. They could cite any of the following reasons for why your claim isn’t being paid:

  • The insurance policy wasn’t valid or had lapsed for non-payment
  • They don’t think you were actually hurt
  • they think your claim is worth much less than you stated
  • They claim you are missing paperwork
  • They think you were at fault – not the insured
  • They argue you have a history of filing car insurance accident claims

For most of these reasons, your Charlotte accident attorney can file an appeal. However, if the policy wasn’t valid, there’s nothing even your lawyer can do. In that situation, you’ll have no choice but to file a claim against your uninsured motorists’ policy. Then, you can file a personal injury lawsuit against the other driver. Your North Carolina accident attorney can help you do this.

If Your Accident Claim is Denied, You Need to Call Skilled Car Accident Lawyers in Charlotte Right Away

Sadly, it’s usually the people who suffer the worst who have their car accident claim be denied. This is because the insurance company is only going to spend money to defend the bigger claims. It wouldn’t make sense for them to deny a claim for a few thousand dollars. It would cost them more to fight it than it would to just pay it.

if your claim is denied, the first thing you should do is call and talk to one of our experienced car accident lawyers in Charlotte. They can review your claim and let you know if it’s valid or not. They can also give you an idea of what it’s worth and why it may have been denied.

Call today and schedule your free initial consultation with our office. Sit down with someone who’s handled dozens of cases like yours before. The consultation is free and you won’t owe a dime until your case is settled.