It is not uncommon for a Chicago car accident claim to be denied.
Car accidents can leave a victim with medical bills adding up to thousands of dollars and they often count on insurance money to pay these bills. Unfortunately, car accident claims are often denied. When this happens, it is important to understand why your claim was denied.
The Car Accident Was Avoidable
A claim can be denied because the accident was avoidable or you have partial liability in the accident. If you were driving drunk or you allowed an unlicensed driver to use your car, your car insurance policy will not cover your expenses. If your claim is denied because the insurance company believes that the accident was avoidable but you think otherwise, seek legal help from a Chicago car accident lawyer.
Each insurance policy will list certain items that are not covered. For example, an insurance policy may not cover an “act of god” or intentional actions. The insurance company may use one of these items, known as policy exclusions, to deny your claim.
If the premium was unpaid at the time of the accident, the policy may have lapsed. The insurance company may argue that the no coverage existed at the time of the crash.
There Was No Medical Treatment at the Time of Injury
If you fail to seek treatment for your injuries immediately after the crash, the insurance company may argue that the injuries did not occur as a result of the accident or the injuries are not accident-related. Always seek immediate medical attention after a car accident to have documentation.
If the victim has a pre-existing condition, the insurance company may contend that the pre-existing condition is causing injury and pain and not the accident. If your pre-existing condition was worsened by the accident, you may still be able to recover some compensation.
Denial May Be a Sign of “Bad Faith”
It is possible that the insurance company may be denying the claim in bad faith. Insurance companies sometimes use certain tactics to minimize compensation or may unethically refuse to pay your claim. Unfortunately, this happens more often than you may think.
Chicago Car Wreck Lawyers
If your insurance claim is denied, speak with a Chicago car wreck lawyer from Willens Law Offices. We will deal with the insurance company on your behalf and find out why your auto accident claim was denied. For a free consultation, call us at (312) 957-4166.