Usually, lawyers talk about going after the other driver. They advise you on what to do if their insurance company denies their claim. They also give you an idea of whether or not you should file a lawsuit for damages. But what happens in a single car accident?
You could be on the highway and lose control of your car. Or, the county may have left construction equipment out on the road and it causes you to crash and flip your car. Not every accident is going to involve you and another driver.
When this happens, your only hope is that your insurance will cover your damages. That is, after all, why you pay for insurance every month. You shouldn’t have to worry about them denying your claim. And, if the accident isn’t your fault, you shouldn’t have to worry about your insurance rates going through the roof.
If you’re involved in a single car accident, you should call an experienced Bentonville car accident lawyer. They can make sure your claim is handled properly from the start. They can also deal with the legal side of things while you recover from your injuries.
Why Would Your Insurance Company Deny Your Claim?
Most people assume that, if they get into an accident, their insurance will take care of them. They accept the fact that their premiums may go up. But the last thing they imagine is that their insurance company would leave them high and dry.
If you sustain serious injuries in your single car accident, you’re going to have a lot of medical bills. There’s no way an average person can afford to pay these out of pocket. And, there’s no guarantee that your primary health insurance will cover these bills. That’s why it’s important that your Bentonville car accident lawyer negotiate payment of your claim.
Some of the reasons your insurance company may deny your claim include:
- Your policy had expired or lapsed for non-payment
- There is an exclusion in your policy
- Your claim was incomplete or incorrect
- You waited too long to file your claim
- You didn’t get medical treatment right away
- You have no medical documentation for your injuries
- You failed to mitigate your injuries and damages
If your claim is denied because your policy wasn’t valid, there’s nothing your car accident attorney in can do. The insurance company is never going to pay out on an invalid policy. But, for any of the other reasons, your Bentonville car accident attorney can try to negotiate a settlement on your behalf.
Your Bentonville Car Accident Lawyer Will Try to Negotiate a Settlement
If you have a car accident lawyer, they’re going to reach out to the insurance adjuster. They’ll try to negotiate payment of your claim. If the claim was denied for a simple issue like a missing form or late submission, your attorney can probably fix this. However, if it was denied for a bigger reason, such as no medical documentation, it will be harder.
This is why your Bentonville car accident attorney tells you to seek medical treatment immediately after your crash. The only way to prove that you were hurt is to submit medical records. Your doctors will do the necessary tests to prove you were hurt. Without these, it will be impossible to prove your claim.
The other problem is if you wait too long to get treatment. Some people don’t realize they’re hurt for days or even weeks. If you wait this long to go to the hospital, it could jeopardize your claim. Even if you don’t think you’re hurt at the time of the crash, you need to get checked out.
Call an Experienced Car Accident Lawyer in Bentonville, Arkansas Right Away
The last thing you’re going to want to do after your car crash is deal with the insurance company. When you find out your claim is denied, you’re going to be frustrated. You’re going to wonder who’s going to take care of your medical bills. You’ll also wonder how you’re supposed to get your car fixed.
The reason you pay for insurance is so that they’ll take care of you at times like this. When that doesn’t happen, you need to call an experienced car accident lawyer in Bentonville. They will negotiate a settlement with the insurance company, or at least try to.
Call Jason M. Hatfield, P.A. today and schedule your free initial consultation. They’ll deal with the legal side of things while you recover from your injuries.