When you purchase auto insurance, you should be able to count on it when you have a claim. However, insurance companies are in business to make a profit, and they do that by paying out as little as possible for claims.
If your car insurance claim in Oklahoma City is denied, you need to understand why. And if your claim is valid, you should be able to appeal the denial and obtain the coverage you deserve.
If your insurance company refuses to treat you fairly, you should consult an Oklahoma City car accident attorney with a proven record of helping car accident injury victims recover maximum compensation for their damages.
Valid Reasons a Car Insurance Company May Deny a Claim in Oklahoma
Even if you pay your insurance premiums on time, there could be valid reasons why your car insurance claim may be denied. Some legitimate reasons an insurer could deny your claim include:
- Your policy excludes the type of damage you incurred.
- You failed to report the car accident within the required time.
- Your physical injury claim is determined to be the result of a pre-existing condition.
- Liability for your accident is disputed.
- The policy did not cover the person operating your vehicle.
You must understand the terms of your car insurance policy and abide by those terms when making a claim. Be sure your policy covers your damage, that you immediately report your accident, and that you demonstrate how your injury was caused by the car accident rather than from a pre-existing condition.
If you are unsure whether your policy covers your claim, you should consult an experienced car accident lawyer to understand your rights.
What To Do When Your Oklahoma Car Insurance Claim Is Denied
If your claim is denied, you should request an explanation for the denial. You must first understand why the company denied your claim.
Then, you should carefully review your policy to determine whether you believe coverage exists and whether you agree with the insurance company’s explanation for the denial.
If you disagree with the company’s denial, you should gather the evidence to support your claim. Some types of evidence to consider include the terms of your policy that you believe support your right to coverage, your medical records, repair estimates, police reports, witness statements, and photographs.
With your evidence gathered, contact the insurance adjuster to discuss your claim. Ask them to reconsider their decision in light of your evidence. If the insurance adjuster still denies your claim and you still believe the denial is unfair, you should file a complaint with the Oklahoma Insurance Department.
If you do not quickly resolve your dispute, you should consult an experienced Oklahoma insurance bad faith lawyer to help you obtain the justice you deserve.
Contact Warhawk Legal Today
If you do not understand the letter of denial issued by your insurance company, or if you are unable to resolve your claims dispute quickly, you should contact an experienced Oklahoma car accident lawyer.
At Warhawk Legal, we have the experience, skills, and resources to help you resolve insurance coverage issues as quickly as possible. We hold insurance companies accountable for providing the full coverage you are owed.
Call (405) 294-1243 or visit our contact page to schedule a free consultation to discuss your car accident and Oklahoma insurance claim.