It is not uncommon for auto insurance companies to deny or undervalue claims, and there are both legitimate and illegitimate reasons for doing so. If your insurer denied your claim for a valid reason—for example, if you did not pay your premiums—then you may not have much recourse for pursuing compensation because your insurance company did not act in bad faith.
If your insurance provider denied your claim without justification, though, you have options, and a personal injury attorney from Ballard Law, PLLC will help you explore them. William E. Ballard can evaluate your case to determine if you have grounds for an insurance bad faith lawsuit. Call 769-572-5111 to schedule a free case evaluation with a car wreck lawyer in Madison.
Read on to learn four possible reasons why car insurance providers may deny an accident claim:
- You Do Not Have Sufficient Coverage
If your liability limit for bodily injury is $50,000 and you are in an accident that results in $75,000 in medical expenses, your provider is not going to cover the full amount. Additionally, if you do not have collision coverage and you cause an accident that damages your car, your claim will be denied. At the end of the day, you are taking a serious financial risk when you only purchase the minimum liability coverage as required by law.
- You Did Not Report the Accident on Time
In the state of Mississippi, you have 36 months from the date of a car accident to file a personal injury lawsuit; however, insurance companies have their own deadlines for reporting collisions. Check your policy to confirm how long you have to report an accident to your insurance provider.
- You Did Not Seek Immediate Medical Attention
If you wait to visit your doctor following a car accident, it is going to be much harder to prove that any injuries you sustained were a direct result of the crash. Even if you do not need emergency medical care, it is essential that you visit your doctor as soon as possible because not all accident injuries are immediately apparent.
If you were injured in a car accident and the insurance company is refusing to cover your losses, contact Ballard Law, PLLC to discuss your case. William E. Ballard will help you fight for the maximum settlement, and if your case goes to trial, he has the litigation experience to represent you in court.
Call 769-572-5111 to schedule a free consultation with a personal injury attorney in Madison. You can learn more about car accident claims in Mississippi by visiting the USAttorneys website.