What to Do If Your Car Insurance Claim is Denied
What to do if your car insurance claim is denied in El Paso is important for you to know as a car owner, but also for you to learn about before going ahead and filing a claim. Denial of a claim can have serious consequences on your driving history and the insurance company's financial standing. This article gives you some information to help you decide if your car insurance claim should be rejected or if you should pursue it.
If you have ever been denied a claim, you are already aware of the legal procedure that can go into determining if your El Paso insurance claim is accepted or denied. There are many factors that a company will consider before granting or denying a claim. First, you will have to provide them with proof of your accident and contact information.
Your El Paso insurance company is required to analyze the information given by you to determine whether or not you were at fault. If you are found at fault, it could get costly for you.
A valid reason may be used as a basis for the insurance company to deny your claim. You may be denied just because you cannot seem to provide enough proof. Therefore, you need to make sure you have the information provided by the accident completely accurate.
A representative from the El Paso car insurance company should look over the information provided to determine if you were at fault. The representative will contact the person you were at fault with the recommendation that you settle out of court.
The person you were at fault will contact their El Paso insurance company to inform them they are not at fault and you want them to settle for less than the amount you originally requested. Because you are not at fault, your insurance company will not take the risk of you being sued.
If the company finds you are not at fault, you will have to file a request for a settlement. The El Paso car insurance company will evaluate your claim and decide if it is worthwhile to consider it. They will provide you with the details of their decision and you can file an appeal.
If you are unable to find another insurance company to accept your claim, your El Paso car insurance company will then review your accident report to determine the proper amount to pay you. Then, you will have to pay it. However, you will not have to worry about the expense of going to court since the insurance company will take care of everything.
In the event you are denied a claim due to a police accident, which is a different type of accident than any other, your El Paso car insurance company will not be held responsible. They can only collect their money from another company. In such cases, it is best to get another car insurance company to accept your claim.
Should your El Paso car insurance company refuse to pay for any reason, it is possible you will have to go to court to get the money. However, you should be prepared and keep a detailed log of all of your conversations with the insurance company. You can also hire a lawyer to represent you in court, if necessary.
Denial of a car insurance claim can be frustrating. You do not want to have to file a claim and deal with the stress of the entire situation. However, it is the insurance company's job to protect themselves from the cost of a claim by not paying for a claim, so you may as well stand up for yourself.
If you have a car accident and are denied a claim, you need to speak to a representative from the El Paso car insurance company to learn more about how you can go about requesting a settlement. A lawyer can be hired to represent you and help you file an appeal if you wish to challenge the denial of your claim.