Being denied an insurance claim can be a frustrating and overwhelming experience. You may feel like you are being unfairly singled out or that the insurance company is just trying to cheat you out of what you are rightfully owed.
The truth is, there are many reasons why an insurance company would refuse to pay out a claim. In this blog post, we will take a look at four of the most common lies insurance companies tell policyholders in order to avoid paying out claims.
"Your Policy Does Not Cover That"
One of the most common ways insurance companies avoid paying out claims is by finding a loophole in the policy language. They may try to say that your claim is not covered because of a technicality or that you did not purchase the right kind of coverage. If you find yourself in this situation, it is essential to review your policy language carefully and consult with an attorney if necessary.
"You Did Not File Your Claim in Time"
Another common way for insurance companies to avoid paying out claims is by claiming that the policyholder did not file their claim within the required time period. This may be true in some cases, but oftentimes the insurer will use this as an excuse even when the policyholder did everything right. If you find yourself in this situation, again, it is important to review your policy language and contact an experienced personal injury attorney.
"The Damage Was Not Enough to File a Claim"
In some cases, an insurance company may try to lowball the policyholder by telling them that the damage and injuries were insufficient to warrant filing a claim. They may say that it would be cheaper for the policyholder to pay for the repairs and medical expenses themselves rather than going through the hassle and expense of filing a claim.
In situations like this, it is important to get multiple estimates and second opinions for repair costs and medical bills and compare them to your deductible amount. If the total expenses are higher than your deductible, then it probably makes sense to file a claim.
Insurance Companies May Try to Use Your Social Media Against You
Your car insurance company may monitor your social media accounts in order to downplay the severity of your injuries. For example, if you sustained a back injury in a car accident, the insurance company may search for photos of you doing activities that require a healthy back. If they find such images (or can somehow make a convincing argument about a benign picture), they may use them as evidence that your injuries are not as severe as you claim.
"You Were At Fault for the Accident"
In some cases, an accident may be partially or fully caused by the policyholder's actions. However, insurers will often try to shift the blame entirely onto the policyholder to avoid paying any claims. If you find yourself in this situation, it is important to consult with an attorney who can help you determine if you actually were at fault for the accident and what percentage of responsibility you may be assigned by law.
Contacting an Experienced Car Accident Attorney
These are just four of the most common ways that insurance companies avoid paying out claims. No matter what reason they give, it is important for you as the policyholder to know your rights and protections under your policies. If you have been wrongfully denied a claim or underserved by your insurer, do not hesitate to reach out to an experienced attorney who can help you fight for the compensation you deserve.
If you were involved in a car accident resulting in injury, call us today at (615) 697-6503 or fill out our form online today for a free consultation!