{"id":6381,"date":"2022-01-21T05:29:41","date_gmt":"2022-01-21T05:29:41","guid":{"rendered":"https:\/\/farmerwright.com\/?p=6381"},"modified":"2022-02-18T05:49:05","modified_gmt":"2022-02-18T05:49:05","slug":"did-your-car-insurance-claim-get-denied-read-this-to-know-the-next-step","status":"publish","type":"post","link":"https:\/\/farmerwright.com\/did-your-car-insurance-claim-get-denied-read-this-to-know-the-next-step\/","title":{"rendered":"Did Your Car Insurance Claim Get Denied? Read This to Know the Next Step"},"content":{"rendered":"<p><span style=\"font-weight: 400;\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-6382 size-full\" title=\"car accident claims\" src=\"https:\/\/farmerwright.com\/wp-content\/uploads\/2022\/02\/car-accident-claims.jpg\" alt=\"car accident claims\" width=\"740\" height=\"540\" srcset=\"https:\/\/farmerwright.com\/wp-content\/uploads\/2022\/02\/car-accident-claims.jpg 740w, https:\/\/farmerwright.com\/wp-content\/uploads\/2022\/02\/car-accident-claims-300x219.jpg 300w\" sizes=\"(max-width: 740px) 100vw, 740px\" \/><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Prevention is better than cure. We\u2019ve heard that statement time and again in health-related scenarios but it is applicable even in car accident cases. We\u2019ve been told to purchase car insurance and to have it with us at all times in case we find ourselves in an accident. Car insurance exists in order for us to get coverage and lower costs for property damage in this scenario, so we wouldn\u2019t find ourselves paying for an overwhelmingly large amount.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are several existing car insurance policies that cover us in unfortunate times. When we get into an accident, we usually think of filing a car accident claim first\u00a0 in order to settle matters between parties,\u00a0 avoiding an accident lawsuit and escalation of the case to court. We also often think about getting medical assistance first to ease pain and suffering. While most times this can go smoothly, other times we aren\u2019t so lucky. Car accident claims can get denied for an array of reasons.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Knowing about car insurance claims from the definition to the reasons why claims get denied is the first step to solving this problem. Learning the procedure on what to do when your car insurance claim gets denied helps make the entire process smoother.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you get involved in a car accident and are in need of help in claiming for damages, seek the legal guidance of a <\/span><a href=\"https:\/\/farmerwright.com\/\"><span style=\"font-weight: 400;\">seasoned personal injury law attorney in Paducah, Kentucky<\/span><\/a><span style=\"font-weight: 400;\">. Contact Farmer &amp; Wright, PLLC for any concerns relevant to personal injury and obtain the compensation you deserve to help get your life back on track.\u00a0\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_Car_Insurance_Claims\"><\/span><span style=\"font-weight: 400;\">What are Car Insurance Claims?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-66302deeda98e\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-66302deeda98e\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/farmerwright.com\/did-your-car-insurance-claim-get-denied-read-this-to-know-the-next-step\/#What_are_Car_Insurance_Claims\" title=\"What are Car Insurance Claims?\">What are Car Insurance Claims?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/farmerwright.com\/did-your-car-insurance-claim-get-denied-read-this-to-know-the-next-step\/#Car_Insurance_Claims_The_Dos_and_Donts\" title=\"Car Insurance Claims: The Do\u2019s and Don\u2019ts\">Car Insurance Claims: The Do\u2019s and Don\u2019ts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/farmerwright.com\/did-your-car-insurance-claim-get-denied-read-this-to-know-the-next-step\/#Why_Your_Claim_Got_Denied_and_What_to_Do_About_It\" title=\"Why Your Claim Got Denied and What to Do About It\">Why Your Claim Got Denied and What to Do About It<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/farmerwright.com\/did-your-car-insurance-claim-get-denied-read-this-to-know-the-next-step\/#Seek_Legal_Representation\" title=\"Seek Legal Representation\">Seek Legal Representation<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><span style=\"font-weight: 400;\">When you get involved in a car accident, there are several procedures that you must take into account before sorting out any insurance and financial problems. At the scene of the accident, you must first ensure that everyone is in a stable, sound state, and that all necessary information have been gathered. Before filing a claim, it is best to acquire knowledge on coverage in order to understand what you will be getting into.\u00a0 Learning these can help smoothen the process and help you become better compensated.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These are just some steps on filing car accident claims. Keep in mind that the process varies from company to company, but here are just some of the general rules.\u00a0<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Relay Accident Information to Your Insurer<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Supply your insurer with information regarding the accident including those involved. Important information insurers usually ask for include names, contact numbers, location, and photos. You might even need to supply police reports and information regarding law enforcement such as their names and badges.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Stay Informed About Your Policy<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Navigating car accident claims can be quite tricky and when you\u2019re in this low state, you could be susceptible to low balling and end up settling for less than what you deserve. When filing for car insurance claims, ask. Do not hesitate to clarify important information involving your policy such as deductibles, transportation expense coverage, and how long it\u2019ll take for you to file a claim.\u00a0<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Get Car Repair Estimates<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Getting car repair estimates is a requirement, but the kind of parts depends on your policy. Some insurance policies do not include original equipment manufacturer parts and you could be responsible for shouldering some of these. This is why it is essential to review and understand your policy to know which parts are covered and which aren\u2019t.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A vehicle that is totaled should have the insurer pay for the vehicle\u2019s actual cash value sans the deductibles, which is the depreciated value of the car. It is imperative to enlist the assistance of an accident lawyer for a smooth-sailing filing process.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Car_Insurance_Claims_The_Dos_and_Donts\"><\/span><span style=\"font-weight: 400;\">Car Insurance Claims: The Do\u2019s and Don\u2019ts<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Just like in any other transaction there are things you should do and things you shouldn\u2019t. When filing for car accident claims, it is important to keep these pointers in mind and act accordingly to avoid getting denied:<\/span><\/p>\n<p><b>Do\u2019s:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inform your agent of the incident and gather evidence in the form of receipts, pictures, and police reports.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Make sure you thoroughly understand your policy and review it with a legal expert in case some things are unclear.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consider if you have other existing insurance policies<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Relay the incident as honestly as possible. Providing fraudulent information in accident reports is grounds for having your auto accident claims denied.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Understand the difference between replacement coverage and actual cash value.<\/span><\/li>\n<\/ul>\n<p><b>Don\u2019ts:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Don\u2019t give any statements unless you are sure about your policy. <a href=\"https:\/\/farmerwright.com\/kentucky-personal-injury-attorneys\/\">Consult an injury lawyer<\/a> if you are plagued with doubts.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do not immediately accept estimates nor sign any releases or waivers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Refrain from accepting any document with \u201cfinal payment\u201d written on it unless you are sure.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Keep in contact with your insurer as they have the legal obligation to provide coverage.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Should you encounter any difficulties or misunderstandings when filing for car accident claims, consult a <\/span><a href=\"https:\/\/farmerwright.com\/car-accident-attorney\/\"><span style=\"font-weight: 400;\">car accident attorney<\/span><\/a><span style=\"font-weight: 400;\"> now to help straighten things out and ensure that you get the rightful coverage you deserve.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Your_Claim_Got_Denied_and_What_to_Do_About_It\"><\/span><span style=\"font-weight: 400;\">Why Your Claim Got Denied and What to Do About It<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">It can be rather frustrating to see that your car insurance claim gets denied. It\u2019s bad enough to get into an accident and have to worry about medical bills, lost wages, and damages, but seeing that the company has decided to not push forward with your claim can just about make you snap. To get to the bottom of the matter, here are the main reasons why your car accident claim got denied:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Policy limits are a usual reason for claims being denied. It is a standard that your claim cannot be higher than the set limit. If you have a policy that varies from the accident you are in, you could also get denied.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Individuals found guilty of breaking traffic laws such as driving under the influence, speeding, or driving without a license can find their car accident claims denied.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Failing to report the incident after a car accident and seeking medical help immediately.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Providing fraudulent information could also be grounds for denial.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Seek_Legal_Representation\"><\/span><span style=\"font-weight: 400;\">Seek Legal Representation<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Nobody wants to find themselves in a terrible, traumatic auto accident and have their car accident claims denied in the process. This scenario could only be so disastrous to anyone in it. When faced with this kind of dilemma, calling a law firm specializing in personal injuries is a big help.\u00a0 Consulting an experienced injury attorney from Farmer &amp; Wright , PLLC, can help you settle matters and get the coverage you deserve. <\/span><a href=\"https:\/\/farmerwright.com\/schedule-a-free-consultation\/\"><span style=\"font-weight: 400;\">Schedule an appointment now<\/span><\/a><span style=\"font-weight: 400;\"> or call\u00a0 at 270-387-1414 for a free consultation with our competent injury attorneys.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Prevention is better than cure. We\u2019ve heard that statement time and again in health-related scenarios but it is applicable even in car accident cases. We\u2019ve been told to purchase car insurance and to have it with us at all times in case we find ourselves in an accident. Car insurance exists in order for us [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":6383,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[63],"tags":[],"_links":{"self":[{"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/posts\/6381"}],"collection":[{"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/comments?post=6381"}],"version-history":[{"count":3,"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/posts\/6381\/revisions"}],"predecessor-version":[{"id":6386,"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/posts\/6381\/revisions\/6386"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/media\/6383"}],"wp:attachment":[{"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/media?parent=6381"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/categories?post=6381"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/tags?post=6381"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}