If you, like many others across Texas, have ever filed an auto insurance claim after a car accident only to receive a denial in response, you probably understand all too well just how infuriating this can be. Expecting to receive a certain amount of money after your accident and then hearing that you will instead receive nothing at all can leave you scrambling to figure out how to make up the difference. You might be remiss, however, to simply accept your insurer’s claim denial without a fight, and there are certain steps you may be able to take to help fight your denial.
Per The Street, you may be especially wise to fight back against your insurer if the accident in question was not your fault, and you receive a claim denial despite fully understanding the terms of your policy. After all, insurance companies are businesses, and at the end of the day, they are out to make a profit – but you do want to make sure that they do not make that profit at your expense. So, what can you do to help argue your side?
Arguably one of the most important things you can do to fight an auto insurance claim denial is be proactive in the immediate aftermath of your accident. Take thorough photographs of the accident scene, the involved vehicles and any property damage that might have occurred. Additionally, make sure to keep careful notes detailing any medical treatment you sought after the incident.
While how you handle the moments immediately following your crash is important, so, too, is how you communicate with your insurance company afterward. For example, in many cases, it may not be in your best interest to grant your insurance company access to your medical records. Furthermore, if your insurance agent calls to ascertain information about your injuries or condition, remain polite, but do not give him or her specific details.
This information about auto insurance claim denials is informational in nature and not a substitute for legal advice.