Serving Injured Victims by Getting the Compensation They Deserve

Drunk drivers, distracted drivers, and careless drivers pose a significant threat to the safety of roadways, making them dangerous for everyone else in the motoring public. In a mere moment, a motor vehicle accident can result in life-altering injuries – or even fatal ones. After an accident, victims and their families are often burdened with expensive medical bills and uncooperative car insurance companies at a time when they need support the most.

If you find yourself in such a situation, it is crucial to remember that you should not have to face the consequences alone. Dealing with the aftermath of an accident can be overwhelming, particularly considering that insurance companies don't always act in the best interests of the victims. At the same time, car insurance claims adjusters may not take the proper amount of time to review your claim, or they may try to get you to accept a payout that is much lower than you deserve.

Without the assistance of a car insurance attorney, it can be challenging to mount a strong defense. Insurance companies possess extensive resources and experience, leaving you at a significant disadvantage. However, having a legal advocate on your side can help level the playing field and provide you with the necessary support to fight back and get the compensation you deserve.

Reasons An Insurer May Deny Your Car Insurance Claim

After a car accident, the usual next step is to file a claim with the at-fault party's insurance company. Compensation from an insurance claim is often necessary to cover medical bills, lost wages, and to make up for pain and suffering, as well as other damages associated with the accident.

Unfortunately, many car insurance claims are denied; the reasons for denial vary on a case-to-case basis. Here are some reasons why car insurance companies often deny claims:

• The accident was avoidable or not reported on time. If the cause of the car accident was avoidable but you failed to take action to prevent it, or your actions contributed to the accident’s occurrence, your insurance claim may be denied. 

• Medical treatment was delayed. If you fail to get medical treatment right after your car accident, the insurance company may deny your claim and could say that your injuries did not result from the accident, are not severe as you claim, are actually caused by a preexisting condition, or simply don’t exist.

• Insurance coverage is insufficient. Damages associated with the accident may exceed the at-fault driver’s car insurance policy. The insurer may deny your claim for reasons such as the policy does not include the right type of coverage or coverage limits have already been exhausted.

• There’s not enough evidence to support the claim. It's not enough to say that you were injured: If your claim has no proof, it will be denied.

A driver violated the terms of the insurance policy. All insurance companies limit what drivers can and cannot do. For instance, most personal auto coverage policies do not cover commercial vehicles or uses. In the event an accident involves a commercial vehicle driven by someone with personal auto coverage, the claim will be denied.

Get Help With Your Car Insurance Claim Today

If your car accident insurance claim was denied, you should seek legal representation right away. Our South Carolina car insurance attorneys at HHP Law Group will assist you in fighting for the compensation you deserve. We can help assess your damages and even negotiate with insurance companies on your behalf to get the maximum compensation so you can move forward with your life. Contact us for a free consultation.