When you have serious injuries after an auto accident, you also have expensive medical bills, lost wages and other associated costs. Depending on the circumstances of the accident, your first step to financial recovery likely involves a claim with your auto insurance provider or the auto policy of the driver who caused the accident.

Often, this first step results in an unwarranted denial of your request for coverage. Review the common reasons insurance companies give for a claim denial and explore your options in this situation.

No applicable coverage

If you or the responsible driver did not have a valid policy at the time of the accident, the insurer will deny coverage of your claim. In this case, you must provide proof of coverage on the accident date. When filing a claim with another driver’s policy, if you learn he or she did not have coverage you can either file a claim through your own auto policy or sue the responsible driver.

No liability

The other driver’s insurance company may deny that their customer caused the accident that resulted in your injuries. Even if you have up to 50% fault for the accident, you can still claim a reduced settlement for your injuries under the modified comparative fault law in Texas. If you receive this type of denial, you can submit witness testimony, videos, photos, police reports and other evidence to support fault on behalf of the other driver.

You can sue the insurance company for bad faith if the adjuster fails to respond, provides false information, reduces or denies your claim without reason, or withholds evidence.