After a car accident, you may be dealing with property damage and injuries. Even worse will be when an insurance company denies your claim. It can be a challenging situation when the at-fault party’s insurance company denies your claim.
In such cases, an experienced Philadelphia car accident lawyer may help you by reviewing your insurance policy thoroughly. They will provide you answers to all your questions after claim denials and instructions on how to proceed with the denial.
- Review Your Insurance Policy
Carefully reviewing your insurance policy after claim denial is a first step. While reviewing your policy, you may do the following:
- Obtain a Copy of Your Policy: You can request a policy copy from the insurance company and thoroughly review it. You need to see closely coverage limits, relevant provisions, and exclusions.
- Understand the Policy Language: The insurance policies may be complicated by complex terms and legal jargon. However, a legal professional may help you understand the complex language.
- Seek Clarification: If you find any ambiguous terms in your policy, you must contact your insurance company. It is important to understand the insurance coverage to help determine if the denial is valid or not.
- Gather Evidence
If the insurance company lacks the evidence, you may provide them additional evidence to help them take better decision.
It may include:
- Pictures of your injuries
- Images of damages to your vehicle or the accident scene
- Video surveillance, if any
- Police report copy
- Relevant medical records, including hospital visits and doctor’s notes
- Eyewitness statements
- Records of your out-of-pocket expenses
- Appeal the Denial
If the insurance company has denied your claim, you may file an appeal. To move with the appeal process, you need to carefully review the denial letter. It will help you provide the reasons that led to the insurance company’s denial.
Preparing the appeal letter is the next step and provides relevant evidence to support your claim. You need to pay attention to the deadlines for submitting your appeal. If you miss the deadline, it may nullify your chances to file an appeal.
As the appeal process is tricky, you may make mistakes if you do it alone. Therefore, hire a legal representation who can appeal on your behalf. They will not only review your denial letter but will represent your interests in a better way.
