Imagine being involved in a car accident, suffering injuries and having to file a no-fault insurance claim with your own insurance company. You expect the provider to pay out the compensation you need because, well, you pay your premiums and they are supposed to care for you.
What do you do, though, when your no-fault insurance claim is denied?
Unfortunately, this is something that can happen for a number of reasons. Understanding these reasons can help you properly prepare before even filing a claim, as well as know what steps to take if you have been wrongfully denied by your insurance company.
Why Would a No-Fault Insurance Claim Be Denied?
The insurance company often claims that they truly care about their policyholders—many of them though only care about their own profits. Because of this, they will try to find any reason to prevent paying you when you deserve it following a car accident.
Some of the methods the insurance company may try to use to deny your claim may include:
- Claiming that you are not current with your payments
- Claiming that the cause of your accident was excluded from your coverage
- Claiming that you failed to notify them of the claim in the proper time restraints
What to Do If Your Claim Is Denied?
If you are involved in a car accident and your no-fault insurance claim is wrongfully denied, you may be able to take legal action. When an insurance company is required to provide coverage but tries to deny the claim or limit their payment to you, they are acting in bad faith.
At Levine and Wiss, our New York car accident attorneys work hard to help you understand what rights you have should you be denied for your claim. We’ll take a look at your situation, determine whether or not you have a lawsuit, and work to help you pursue the compensation you need.