Legal Options When Your Car Insurance Claim Is Denied

If your car insurance claim was recently denied, you may want to contact a Tulsa, OK insurance claim denial attorney. Insurance is there to cover damages you endure in an accident. If your claim gets rejected, however, it can be very frustrating. That does not mean that all hope is lost. A lawyer from Wandres Law, P.C. may help you file an appeal.

Here are the most common causes of insurance claim denials that you should be aware of.

You Missed the Deadline to File a Claim

If you have to file a car insurance claim after an accident, time is of the essence. If you attempt to file a claim once the deadline has passed, your insurance company may deny your claim. The more time that goes by, the more difficult it will be to gather accident evidence. As such, you should notify your insurance company about the accident as soon as possible and then file your claim.

You Provided False Information in Your Insurance Contract

When you get car insurance, you are required to sign an insurance contract. It is important to only provide truth information in the contract you sign. Otherwise, you may have to deal with a claim denial in the future. For instance, if you lied about your driving record in your contract and went to file an insurance claim for an accident, your insurer may reject your claim.

You Have a Lapsed Policy

As a Tulsa insurance claim denial attorney can confirm, a lapsed policy is one of the most common reasons for claim denials. If you forgot to pay your insurance bill last month and just got in an accident, your insurance company may reject your claim. That’s why it’s important to always stay on top of your payments.

You Have an Excluded Driver

When you sign up for a car insurance policy, the insurer may decide to exclude someone from the policy, like a son with a bad driving record. If your son drives your vehicle and gets into an accident, he will not be covered when you file an insurance claim. That is why you should check your insurance policy to find out if anyone is excluded from your policy.

Your Claim Exceeds the Coverage Amount

In order for you to have a successful insurance claim, your policy has to match or exceed the cost of the damages. For example, if your vehicle is worth $60,000, but you have just $30,000 in coverage, your claim could be denied.

What to Do If You Receive a Claim Denial

If you believe that your insurance company wrongfully denied your claim, you may want to speak with a skilled insurance claim denial attorney. The legal professionals at Wandres Law, P.C. have extensive experience with these types of cases. A lawyer can review your case and determine if you have a good chance of winning an appeal.

Schedule a consultation with a Tulsa insurance claim denial attorney from Wandres Law, P.C. today.