Life often takes catastrophic turns – you never know what is going to hit you. It happened last year to Peter Dowd, who lost his daughter in a hit-and-run incident. If you want to legally drive a car on public roads, make sure that you take all the precautions. In case of motor vehicle accidents, you must be well-equipped to deal with them mentally, emotionally, and legally. Most insurance companies will require that you purchase appropriate coverage through them. This is typically in exchange for higher premiums for the policy. It’s normal for them to also deny claims.
Rejected car insurance claims are becoming all too common, and this is unfortunate because they’re expensive. You can also seek the consultation of a motor vehicle accident attorney in San Antonio if you have a motor vehicle accident claim to take care of.
It’s not surprising that the insurance company turned down your claim, as this is not unusual. The reason they do so, in most cases, is due to certain clauses which are outlined in their contracts.
Here are some of the eight most common reasons for a motor vehicle accident claim rejection:
1. Motorist was not at fault in the accident.
When a motorist is involved in an accident, he or she is often blamed for the incident. However, the truth is that liability lies with the person who caused the accident. Today’s car insurance policies have specific wording that allows you to collect damages if a third party is to blame.
2. Motorist was not at fault but was uninsured.
A motorist was not at fault in a collision but is uninsured. They are now left with no way to pay for the damages or the hospital bills from the accident. An uninsured driver is responsible for their own medical expenses and property damages.
3. Motorist was at fault, but the damage to their vehicle is too low to warrant payment from the insurance company.
In a recent accident, the driver of an SUV was at fault. Unfortunately, the damage to their vehicle is too low to warrant payment from their insurance company. Some people may be able to afford it, but others cannot. This is where government assistance comes in handy! The government may be able to help those who have been injured in an accident with their wages, or the state may provide a loan for the car repairs.
4. The damage to the other vehicle is too high for the insurance company to cover it.
Automotive accidents are devastating to the victims and their families. Insurance companies require that your car is in good condition before they will cover the cost of damages you incur from an accident. One reason for claim rejection is that insurance companies are not covering damages incurred on certain types of newer models because they cost heftily. Instead, they opt for only older ones that carry a lower risk for damage.
5. The driver of the other vehicle has no liability insurance.
The driver of the other vehicle has no liability insurance and therefore cannot be sued in court by you or your family members who were injured in the accident. Traffic accidents are an unfortunate part of life. If the driver of the other vehicle has no liability insurance, your claim may be rejected. But you can surely talk to your legal consultant to figure out an alternative for you.
6. The claimant did not have medical records to support their claim
When an individual makes a claim, it is often necessary to provide medical records or other supporting information to back up their claims. Without these records, it is difficult for the court to determine if the claimant has a valid reason for their injury.
7. Driving without a license or invalid license:
Driving without a driver’s license or with an invalid license or driving under intoxication is one of the main factors that can cause your car insurance claim to be rejected. These actions are illegal, and the insurance company will not accept your claim unless you prove otherwise.
8. Using your private car for commercial purposes:
You can’t claim damages if you’ve cheated on your personal or commercial insurance companies. They will be reminded that you lied about what type of vehicle was being used and might decline to pay for the damages.
Wrap up!
Motor Vehicle Accidents are a common occurrence worldwide. The number of these accidents is usually high due to the amount of driving on the road. When a car accident occurs, it could take up to six months or longer for a claim to be approved. This is due to the fact that personal injury claims must be filed in the state where all parties are currently residing or where the accident occurred. In this article, we discussed some of the eight most common reasons for claim rejections. We hope that you liked the article. Make sure to share it with your friends and family to help them out in such situations.
