You Might Have Had Your No-Fault Claim Denied For One Of Several Reasons
After you are involved in a car accident, you might find yourself seriously injured and in the hospital. You might be faced with expensive medical bills. If you live in a state that mandates no-fault insurance, your insurance provider would normally pay for the damages you have suffered. However, if your claim is denied, it's important not to panic. The first thing to do is to find out why your claim was denied.
The Form Wasn't Filled Out Properly
You will be required to fill out several forms when filing a no-fault insurance claim. It's important to make sure that these forms are filled out correctly. An insurance provider will be able to guide you through this process if you're confused.
The Insurance Lapsed
It's important to find out why your claim was denied as quickly as possible. In some cases, it might be impossible to have your claim appealed because of the reason why it was denied. For example, if your insurance policy lapsed because you didn't pay your insurance premium, you might be responsible for paying for your medical bills.
However, some insurance providers make mistakes. You may have actually made your payment but the insurance provider failed to apply it to your account. If you keep good records, you'll be able to prove that you made a payment. A no-fault insurance attorney will be able to help you gather evidence to prove that you actually were current with your premium.
You Don't Have Enough Coverage
Your claim might only be partially denied because you do not have enough coverage. When you choose a no-fault insurance policy, you will have a coverage limit. If you suffer damages that exceed your coverage limit, you will only be compensated up to your coverage limit.
You Weren't Listed as a Driver on the Policy
To receive compensation, you must be a driver who was listed on the policy. Therefore, it's important to avoid driving vehicles unless the insurance following the vehicle also covers your medical bills.
Regardless of why your claim is denied, you will always want to consult with an attorney rather than simply accepting that the claim has been denied. Your initial medical bills might be very expensive, and you may also have future medical expenses. Don't assume that a claim denial is in good faith. An attorney will contact the insurance provider and work hard to negotiate a settlement. If the insurance provider is not being fair to you, a lawsuit might also be a good idea.
Contact a no-fault insurance attorney for more information.
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