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Common Reasons Why Your Car Accident Claim Is Denied

There are many reasons why your car accident may get rejected by the insurance company. Some of the factors are known to people, but a few still go unnoticed. A mistake as small as not reporting the incident on time may get your car accident claim rejected. However, with the help of a car accident attorney you can eliminate the chances of your claim being rejected and ensure to get maximum settlement for your losses. 

Suffering from a car accident is the most terrible situation to deal with. Emotional trauma can be a lot to process. Dealing with the car accident claim could be tiresome and frustrating. Therefore, before taking further steps, you should continuously seek medical care and recover completely. 

Reasons why car accident claims are denied:

  • Driving a personal car for commercial purpose 

If you used your car for commercial purposes, your claim would likely be rejected. The insurance companies may state that you are applying for a false claim and deny you all opportunities. 

  • Driving without a license permit 

Driving without a driver’s license clearly states that one is not legally allowed to do so. If you do not have a driver’s permit, your claim may get rejected immediately without any additional grounds. Driving under intoxication may also hammer your car accident claim.

  • Not following rules and laws. 

A few roads or streets have specific speed limits. Like that, every state has laws and regulations meant to be followed by the driver. If one fails to do so, like breaking the speed limit or not driving in the respective lane, it can lead to termination of the claim. 

  • Being careless about reporting

Reporting the incident holds a lot of importance for the car accident claim. You must share every possible detail you remember about the accident. Also, reporting the incident later than a day or two could get your claim rejected. Therefore, you should report the incident on time and speak up about everything you witnessed.

  • Medical care that is not covered by your premium 

Many accident claims get denied because their health plan does not cover the needed benefits. Before applying for the assertion, make sure you or a car accident attorney verify whether your plan covers the medical care. Not paying monthly premiums may also affect your health plan and your car accident claim ultimately. 

If your accident claim was denied, you still have a chance to review it with an attorney and understand what went wrong. With the legal guidance, you can ensure you get the deserving compensation. 

 

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