What Can You Do if USAA Denies Your Accident Claim

Accident victims often face an uphill battle when attempting to recover compensation for their injuries and losses in an accident. Many insurance companies will try to pay out far less than you are rightfully owed in order to maintain their profits. This can involve making lowball offers, dragging out the process, or denying your claim outright.

When USAA or another insurer fails to investigate a claim in a timely manner, unfairly denies or delays payment of a claim, or otherwise refuses to repay a claimant for covered costs, it is acting in bad faith and in violation of the insurance contract.

In short, insurance companies profit from refusing claims; however, a Phoenix car accident attorney can help you dispute the insurer’s decision. Learn how to avoid being taken advantage of when your USAA accident claim is denied.

Possible Reasons for USAA’s Denial of Your Claim

USAA should give you written notification of their decision to deny your claim. Your automobile accident attorney will ask for a copy of this notice and use it to help you counter their claims.

Some common reasons USAA denies claims are:

• You are partially or entirely at fault for the accident
• The insured’s coverage was allowed to lapse
• They dispute that the crash caused your injuries
• More documentation or evidence is required
• Insufficient evidence exists to establish liability
• The claim was not filed within the required time frame

It is possible to follow the appeals process, but you don’t have to dispute these claims by yourself. Your lawyer can help you file an appeal to fight their decision or take legal action to demand compensation.

For a free legal consultation, call 866-499-8989

What Can I Do After My Claim Is Denied?

There are a few steps you can take after a USAA claim denial:

Appeal

The documentation received in a claim denial letter is critical when deciding how to proceed. The paperwork should outline why the insurance company has rejected your claim. This information is essential for developing a plan of action.

If, after reviewing the documentation and investigating further, you feel that there is an error in the decision, you may be able to appeal. Most insurance companies have processes in place to contest a denied claim.

If you choose to appeal, gather evidence that supports your case. This may include police reports, eyewitness information, photographs of any damage sustained by your vehicle or property, medical reports from doctors and specialists if necessary, and other forms of corroborating evidence.

Once you have collected sufficient supporting documents related to your case, you can contact USAA directly to appeal their decision.

File a Complaint

If you believe your USAA accident claim has been unjustly denied, filing a complaint with your state’s insurance commissioner could lead to a resolution. An independent claims adjuster can review the circumstances and provide an opinion as well as advice on how best to proceed.

Hire a Lawyer

It might also make sense for applicants faced with a particularly difficult denial to enlist the services of a skilled car accident attorney to negotiate on their behalf. Your lawyer will handle the entire process for you and will have experience advocating for victims in auto accident insurance claims.

Further, a lawyer will have the knowledge and experience to see the bigger picture. We can review the language in the contract, identify bad faith practices, negotiate aggressively, or initiate legal action to get you the compensation you are rightfully owed.

Is a Lawsuit Necessary to Recover Fair Compensation from USAA When They Deny Claims?

Sometimes a lawsuit can be your best option. Lawsuits are often the last resort for automobile accident victims seeking a fair settlement. For this reason, USAA waits until a lawsuit is filed or a trial is near before making a reasonable settlement offer.

The insurer wants to assess your willingness to pursue justice before they concede any amount of compensation. By waiting, the company hopes you will decide that the risk and cost of pursuing a lawsuit in court is too great – allowing the insurer to negotiate from a position of strength.

Even when negotiations do not result in an agreement, USAA may still benefit from understanding their potential liability. Legal representation from an experienced auto accident lawyer can let USAA know that you mean business and won’t settle for less than you are rightfully owed.

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Learn More About What You Can Do About Your Denied USAA Accident Claim

If USAA rejected your vehicle accident claim, you may still be able to pursue compensation from the negligent motorist or their insurance provider. A personal injury lawyer from Zanes Law can help you dispute the insurance company’s decision and fight for the maximum compensatory damages available.

We can help you sue the insurance company if you believe a bad faith insurance practice contributed to your claim being denied. In some cases, your attorney can also assist you in filing a lawsuit against the negligent motorist.

When filing a claim or filing an appeal, having legal representation can be invaluable. Don’t give up on recovering the financial compensation you deserve. Learn more about how we can help. Contact us today.

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