Car Insurance Claim Denied? Here’s What to Do Next

Jun 14, 2024

Navigating the aftermath of a car accident can be overwhelming, especially if your car insurance claim gets denied. According to recent statistics, New York state saw over 300,000 car accidents in 2023, resulting in numerous personal injury claims. Unfortunately, not all claims get approved, leaving many accident victims in a bind. At Bergman, Bergman, Fields & Lamonsoff, LLP, our top personal injury attorneys are here to guide you through the next steps and ensure you receive the compensation you deserve, whether it’s for construction accidents, car accidents, or workers’ compensation claims.

Understand Why Your Claim Was Denied

The first step is understanding why your claim was denied. Insurance companies typically provide a denial letter explaining their reasons. Common reasons for denial include:

Policy Exclusions: Certain accidents or damages may not be covered under your policy.

Lapsed Policy: If your insurance policy has expired or lapsed due to non-payment, your claim will be denied.

Insufficient Evidence: Lack of proper documentation or evidence supporting your claim.

Fraudulent Claims: Any suspicion of fraud can lead to an immediate denial.

Review this letter carefully and consult with an attorney if the reasons seem unclear or unjustified.


Gather Additional Evidence

If your claim was denied due to insufficient evidence, you will need to gather more substantial proof. This may include:

Accident Reports: Obtain a copy of the police report detailing the accident.

Medical Records: Secure comprehensive medical records documenting your injuries and treatment.

Witness Statements: Collect statements from any witnesses present at the scene.

Photographic Evidence: Provide photos of the accident scene, vehicle damage, and any visible injuries.

Having robust evidence can strengthen your case significantly.


Consult with a Top Personal Injury Attorney

Navigating a claim denial can be complex and daunting. Consulting with a top personal injury attorney from Bergman, Bergman, Fields & Lamonsoff, LLP can make a significant difference. Our experienced lawyers specialize in handling denied claims and can help you:

Review the Denial Letter: We will carefully analyze the denial reasons and assess the validity of the insurance company’s decision.

File an Appeal: If the denial seems unjust, we will help you file an appeal with the insurance company, providing additional evidence and a detailed argument.

Negotiate with Insurers: Our attorneys are skilled negotiators who can communicate with the insurance company on your behalf to reach a fair settlement.

Litigation: If necessary, we are prepared to take your case to court to ensure you receive the compensation you deserve.


Explore Other Avenues of Compensation

If your car insurance claim remains denied, exploring other compensation avenues is crucial. This includes:

Personal Injury Lawsuit: Filing a lawsuit against the at-fault party can help you recover damages not covered by insurance.

Workers’ Compensation: If your accident occurred while on the job, you might be entitled to workers’ compensation benefits.

Uninsured/Underinsured Motorist Coverage: If the at-fault driver lacks sufficient insurance, your own uninsured/underinsured motorist coverage might apply.


Stay Informed and Proactive

It’s important to stay informed about your rights and proactive in your approach. Keep detailed records of all communications with the insurance company and seek legal advice promptly. At Bergman, Bergman, Fields & Lamonsoff, LLP, we are committed to fighting for your rights and ensuring you get the justice and compensation you deserve.


In conclusion, a denied car insurance claim isn’t the end of the road. By understanding the reasons for denial, gathering additional evidence, consulting with top personal injury attorneys, and exploring other compensation avenues, you can effectively navigate this challenging situation.

Contact us today for a free consultation and let us help you on the path to recovery.

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