Road accidents are a daily feature on roads in the United States. And in many of these accidents someone is injured or has their vehicle damaged. One of the first things done after an accident is to complete a claim against the at fault driver. Such a claim is made against the at fault driver’s insurance company. This claim allows the injured person to get compensation for injury and/or repairs for damages and other losses. However, more often than not insurance carriers try to refuse paying out claims even when such claims are genuine. This article will discuss common reasons used by insurance companies to deny claims.
Reasons to Deny Claims
Some common reasons insurance companies use to deny claims include the following:
- Denying fault – for a victim to receive compensation they need to prove that the other driver was at fault (liability) for the accident. However, when the insurance company cannot pay or does not want to pay, they try to deny the claim. They do this by stating that their client was at fault for the accident. They may argue that their client is not responsible in for the accident. Or they may say that the victim is partly at fault for the accident. The insurance company will do this even in cases where the fault of their client is undeniable. The insurance company will try to explain that the victim was partially at fault. If they succeed in their argument fault is shared and only some of the compensation is awarded.
- The extent of injuries – the insurance company may try to minimize the injuries of the victim. Or try to prove that the victim did not get injuries in the specific accident or was not injured at all.
- Causation – where injuries can be proved the insurance company may argue that they were caused by a different incident or issue.