Can an Insurance Company Deny Your Claim Because You’ve Had Too Many Accidents in North Carolina?

If you drive a car in North Carolina, you have to carry automobile insurance. Not only does it protect you, but it also protects other people. If you get into an accident, your insurance company will cover your medical expenses. It will also cover any repairs that need to be made to your car. Now, if the other driver is at fault, then their insurance will cover your bills. Immediately following your car crash in Raleigh, North Carolina, you’ll need to do a few things. If you don’t do these things, there’s a good chance your claim will be denied.

There are two three (3) things you have to do if you get into a car crash in North Carolina. First, you need to call the police. They’ll come out to the scene and do a thorough investigation. They’ll also prepare something called a police report. This report contains all the information regarding your accident. The second thing you need to do is go to the hospital. Not only do you need to make sure you’re okay, but you also need some proof that you were injured. The best way to prove your injuries is to submit your medical records. The third thing you need to do is report the accident to your insurance company. You need to do this even if your accident is minor. Since most insurance companies require that you report the accident right away, you don’t want to put this off.

As long as you do these things, your claim should be approved. If this is the case, you’ll get your check within a week or two. However, often times, the insurance company will deny your claim. This can happen for a variety of reasons. One of these reasons is that you’ve had more than your fair share of accidents over the years. If your claim is denied, you really should call an experienced car accident lawyer in Raleigh, North Carolina. They can help appeal your claim. And, if that doesn’t work, they can file a lawsuit on your behalf.

Insurance Adjustors Get Suspicious if You File Too Many Accidents

Insurance companies are not in the habit of paying out claims. If they paid every claim that came through the door, they’d go bankrupt in a matter of weeks or months. This is why they do deny a certain number of claims. Some of the common reasons why they would refuse to pay your claim include the following:

  • The insurance policy isn’t valid or has been cancelled for non-payment
  • They don’t believe you were really injured
  • They think you were at fault
  • They think they could settle for less if they wait
  • Too many accidents – you have a history of filing car accident claims

When an insurance adjustor sees that someone files multiple claims over the years, they will be suspicious. They may think that you get into accidents on purpose to collect insurance money. Or, they may see your driving record and think you are a terrible driver who was probably at fault for the current motor vehicle accident. If this happens, you really should call an experienced accident lawyer in Raleigh. They have a lot of experience negotiating with auto insurance companies in North Carolina. They’ll work hard to appeal your claim and get you the compensation you deserve.

Contact an Experienced Car Accident Attorney in Raleigh, North Carolina

If you’re involved in any sort of motor vehicle accident, you’re going to want to talk to an attorney. Now, if your crash is minor and there is only a few hundred dollars in damages, maybe you don’t need a lawyer. These small claims are typically paid by the insurance company because it’s cheaper to pay it than fight it. Plus, since attorneys work on a contingency basis, they’re not really going to want to accept a case that’s worth a few hundred dollars.

If your claim is substantial and it’s denied, then you really should retain a skilled injury law firm in North Carolina. They can review your case and let you know if you have a valid claim for damages. They can also answer any questions you might have. If your injuries are severe, the last thing you’ll need to do is worry about insurance adjustors and lawyers. Let an experienced car accident lawyer in Raleigh handle the legal side of things. This way, you can focus on what’s really important – getting better.