Know More about Why Your Personal Injury Claim Gets Denied
Personal injuries are compensated if you file a valid claim well within the time frame. However, many people tell that their claims have been denied without any explanation. This is one of the reasons why people tend to stay away from insurance companies as it may cause a lot of stress and waste of time. In this case, you should hire a personal injury lawyer in Queens who can deal with these companies as he has enough expertise and experience in this field. Some of the reasons why your claim may get rejected are elaborated below:
The absence of any valid coverage
Most people don’t check the terms and conditions of the policy before filing a claim with the insurance company. In case, it does not cover the kind of injury you have received, you are likely to get the claim denied. That’s why, it is suggested to go through your policy or hire an attorney, who can do this on your behalf.
The policy has lapsed
In many cases, the claim gets rejected because the policy has lapsed. The owner of the policy is unaware of this fact and eventually ends up getting it rejected. That’s why, you should read the tenure of your policy to avoid any confusion later on. You may also get depressed to know that your policy no longer exists after getting a reply from the insurance company.
The vehicle is not covered
Not all vehicles are covered under the same policy. It is not necessary that the policy covers the vehicle with which you have been injured. An attorney is the best person, who can tell you about this fact by reading the terms of conditions of the policy. If you want to avoid denial, you should contact an attorney before filing your claim with the insurance company.
Lack of evidence
Mostly, claims get rejected if you are able to provide enough proof to support the liability. Some of the important documents include police reports, medical reports, medical bills and witness statements. If any of these is missing from the claim, the insurance company may ask you to provide them. If you fail to do so, you are likely to lose your compensation.
If you want to get the claim approved by the insurance company, you should contact a personal injury lawyer nearby you. He can help you fill out the form and get it approved as soon as possible.
