Date:November 15, 2018
Was your car insurance claim denied by the other driver’s carrier after a recent crash? If so, you’re probably confused and unsure of what steps to take next. Car crashes are expensive, and if you or someone else suffered injuries, the costs can run into tens of thousands of dollars. Few of us have that much money available.
If you were careful to take notes, speak with the police, and cooperate with the insurer, and your car insurance claim was still denied, you may be wondering, “Now what?”
In this article, we’ll help you answer that question by explaining why your car insurance claim may have been denied. To learn more, contact the Law Office of Manning & Zimmerman PLLC today.
While insurance companies are picky, they also tend to be very careful, if only because they don’t want you to sue them. Most of them will work with you in good faith to try to get your claim resolved ASAP. However, sometimes there are hiccups in the process.
The main reasons an insurance company may deny your car insurance claim is because it either hopes you won’t pursue the claim any farther and will just go away, or it thinks the claim lacks merit. They may be relying on an unreliable witness or some other form of evidence you lack. Even if their driver was totally at fault, they won’t admit it. Their primary evidence may be the other driver anyway, and their story is almost always going to contradict yours — especially if they lack a police report.
Other reasons for an insurance claim denial are more feasible. They include:
You’ll need an experienced NH car crash attorney to help you fight the insurance company on a denied claim. Usually, the process starts with a demand letter, which includes:
Once your NH injury attorney has prepared and sent a demand letter to the insurance company, they either have to provide you with a specific reason they denied your car insurance claim, pay you the full amount, or make you a smaller offer.
If the insurance company’s response does not satisfy you, your New Hampshire injury lawyer at Manning & Zimmerman Law can engage in an appeals process. Some states require a formal appeals process for all denied claims. New Hampshire isn’t one of them, but it does require insurance companies to provide at least one level of appeal, and ideally two. Either way, you’ll have a better chance of negotiating a settlement.
If the appeal system fails, you can still file a lawsuit against the insurance company. Discuss this with your injury lawyer before you finalize this decision. It may be the best option under the circumstances, though your injury attorney will be sure to let you know if your chances of success are low. If that’s the case, or if the cost of a lawsuit will exceed what you could reasonably recover (assuming you win the case), then they’re likely to caution you against a lawsuit and trial.
If you have been injured by another person’s careless acts, contact the experienced Manchester injury attorneys at the Law Office of Manning & Zimmerman PLLC. We may be reached at (603) 232-7278 and by email at info@MZLawNH.com. You may also use the “contact us” or chat feature on our website.
It is essential that you have competent legal representation from the onset of your case through litigation. Big insurance companies have lawyers looking out for their interests and you should too!
Experienced. Knowledgeable. Personally Committed to Justice.