Why Would Your Insurance Company Deny Your NYC Car Accident Claim?

Like every other state in the country, New York requires its drivers to maintain auto insurance. This is so that if there is an accident and someone gets injured, the insurance will cover the victim’s medical bills. This insurance is also supposed to cover any other damages caused by the crash. This includes things like lost wages, damage to your car and pain and suffering caused.

You faithfully pay your car insurance premiums to cover you if you get into a wreck. And, if the other driver is responsible for the accident, their insurance is supposed to cover your damages. It can be devastating to learn that your insurance claim has been denied. When you’re trying to recover from your injuries, the last thing you need to deal with is fighting with the insurance adjuster. This is why you need to contact an experienced NYC car accident lawyer immediately after the accident. We can negotiate with the insurance company on your behalf and if required, we’ll file a car accident lawsuit on your behalf.

If you or your loved one have been hurt in an auto accident in New York City, you should call our office right away. Our auto accident lawyers will handle all of the legal issues related to you accident, so that you can focus on what’s most important – getting better.

Why Would the Insurance Company Deny Your Claim in the First Place?

It is frustrating to learn that the other driver’s insurance company has denied your claim. If the other driver caused the crash, you have no reason to believe they wouldn’t cover your damages. However, there are times when your claim can be denied. The other car’s auto insurance may deny your claim for a variety of reasons, including:

  • They claim that the other car’s insurance policy wasn’t valid or lapsed for non-payment;
  • The insurance adjuster think you are at fault for the accident;
  • They don’t think you were seriously injured in the crash;
  • They think you have a lot of pre-existing injuries to the same body parts you are claiming you hurt in this auto accident;

This is why it is so important to retain counsel, because once they find out you have an NYC car accident lawyer, they’ll take your claim more seriously.

Why Does It Make a Difference If You Have an NYC Car Accident Lawyer?

If you don’t have a lawyer, there’s a good chance that the insurance company will try to take advantage of your lack of knowledge of the law. They may deny your claim and hope that you just walk away and move on with things. Or, they’ll refuse to return your calls and emails. Your claim will not be on their front burner of important things to do. But once they learn that you’ve retained a skilled car accident lawyer in NYC, things will change.

Insurance adjusters take your case more seriously when you have a lawyer. This may not seem fair, but it’s the reality. They know your attorney won’t stand for being taken advantage of. They also know that your attorney is going to fight to get you the compensation you deserve. They’ll return their phone calls and may even try to settle your claim. Once they know that you intend to file a lawsuit, they are often times willing to negotiate a fair settlement.

If you or your loved one are injured in an auto accident, you should call our office right away. You need to meet with a New York City Personal Injury Attorney as soon as possible. Schedule your free initial consultation right after your accident. Call us at 212-240-9465.