if we don’t win, we don’t get paid. Free Consultation
Free Consultation
Villarreal & Begum April 14, 2021

Why Was My Insurance Claim Denied?

insurance claim

After suffering from injuries or other damages as a result of a car crash, you’re probably counting on your insurance company to be by your side. After all, that’s what insurance is for. To help you pay your bills, and cover your damages when the unthinkable happens. Most people can’t cover medical bills, housing expenses, and other bills right after an accident. You are most likely experiencing loss wages, on top of your regular living expenses. Money is going to get tight fast, and your counting on your insurance policy to payout. Unfortunately, this isn’t always the case. Sometimes the insurance company will deny a person’s claim. It’s important to remember that the big insurance companies don’t always act with your best interests in mind. Anyone who has an insurance policy should know how to identify bad faith insurance practices.

Common Reasons for Claim Denials

Medical records: If you were injured in a car crash, you need to be able to prove it. Always go to a doctor after being involved in a car crash. Even if you feel fine, you could still have injuries you may not know about. Often, injuries take time before a person is aware they exist. Getting checked out by a doctor help ensure you do not have any untreated injuries, and creates a record of the injury. Having a medical record of your injury proves that you have suffered injuries, and deserve to be compensated.

Avoidable Actions: Sometimes, your insurer will have reason to believe that you did something that would void any possible coverage. For example,  if you got into a crash because you were drinking and driving, or let an unlicensed driver use your car. If that is the case, your insurance may deny your claim.

Not Filing A Claim in Time: It is always important you file a claim with your insurer as soon as possible. If you chose to wait weeks after the accident happened, your insurance company may deny your claim. If you fail to report any injuries or other damages in a timely manner, they may argue that those injuries were not the result of the accident. Always be sure to file your claims as soon as possible.

Bad Faith Insurance

Insurance companies are should always act in good faith when a person files a claim with them. When the insurance company fails to fulfill the obligations stated in the insurance policy, they are acting in bad faith. If they refuse to pay a claim they owe, fail to explain why, don’t conduct a complete investigation, or don’t deny your claim in a timely manner, they are acting in bad faith. If you feel your insurance company has acted in bad faith, you should call an attorney immediately.

When to Contact an Insurance Bad Faith Attorney

If you are even slightly suspicious that your insurance provider has acted in bad faith, it is imperative you take action. Contact the San Antonio insurance bad faith lawyers at the Villarreal & Begum Law Firm as soon as possible. We serve clients across Texas with offices in San Antonio, Austin, McAllen, and Laredo. We have extensive experience litigating bad faith claims and can help you recover the money you deserve. Let us review the details of your case for free, to determine if it qualifies. Call or contact us via our website. The Law Guns will fight for you.