When a collision occurs on a California roadway, the aftermath may not only include physical injuries and emotional distress but issues regarding vehicle damages, as well. Most people understand the importance of exchanging information with another driver after a collision has occurred. If the other driver was at fault, his or her insurance should cover expenses related to vehicle damage or medical bills for injuries that someone in the other car has suffered. What happens, however, if the at-fault party’s insurance agency denies the claim?
It happens all the time, and there are usually several reasons for it. If the claims adjuster has assessed the damage and believes that the claim lacks merit, a denial is likely. Claim denials also occur when a policy includes exclusionary issues, such as natural events that have caused an accident to occur.
Remember the primary goal of insurance companies
An insurance company is not going to make a profit if it is paying out more money in claims than it is taking in for premium costs. One of the formal steps that can be taken when a claim is denied is to send a demand letter. This correspondence should request compensation and include relevant details of the collision, such as vehicle damages, as well as what the insured driver did to cause the accident.
Recovering from a California automobile collision is stressful enough without having to battle an insurance company for compensation when an insured driver was at fault. The process may be less stressful if a recovering victim hires an attorney who has experience in handling denied claims. Bringing an attorney on board is often all it takes to get an insurer to reverse its decision.