Car accidents can be a traumatic experience, and the last thing you want is to be denied a claim from your insurance company. Farmers Insurance is one of the largest insurance companies in the United States, but that doesn’t mean they always have your best interests at heart.
If you’ve been in an accident and Farmers Insurance has denied your claim, don’t worry. There are steps you can take to appeal their decision, but you might also consider working with a Phoenix personal injury lawyer. Let’s go over what you should do if Farmers Insurance denies your accident claim.
My Claim Was Denied After an Accident. What do I Do Now?
The first step to take in the event of a claim denial is to request a written confirmation of the denial from Farmers Insurance. This document should explain in detail why the claim was rejected and any other relevant information.
This is important because if you later decide to appeal or file a lawsuit over the matter, this written documentation will serve as evidence in your case and help prove your point.
It may also provide vital details about what steps you need to take next – whether this involves appealing the decision, seeking legal assistance, or filing for reconsideration.
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Why Your Claim May Have Been Denied
When filing an auto insurance claim, paying close attention to the details and providing accurate information to your car insurance company is essential. Unfortunately, sometimes despite our best efforts, a claim can still be denied for various reasons, such as being untruthful or providing conflicting information.
The approval or denial of a car insurance claim may hinge on details from the police report, testimony from witnesses, estimates for necessary repairs, and reconstructions of how the accident occurred.
Bad faith or exaggeration of the facts are other reasons claims are often rejected. In most cases, a denial letter will explain why you were rejected and provide references to back up their claim.
Some common reasons for denying a car insurance claim include:
- Failure to report the incident in a timely matter
- Missing paperwork
- Policy exclusions
- Lack of documentation such as repair bills or estimates
- Lapse in payment of the insurance policy
- Insufficient coverage amount
- Failure to adhere to state guidelines
It is important to understand why your Farmers denied your claim so that you can properly address any issues and increase your chances of having future claims approved. A car accident lawyer can review your denial and help you find options to appeal their decision.
How to Appeal the Denial of An Accident Claim
When appealing a car insurance claim denial, it is important to have a complete understanding of the reasons for said denial. Most insurers have a process in place, but it is important to first gather all relevant evidence to back up your appeal in order to increase the chances of being successful.
This could include:
- Police reports
- Eyewitness information
- Traffic camera footage or surveillance video
- Medical reports
- Physical evidence like a broken car part
Before sending anything to Farmers Insurance company, it’s smart to make copies so you may save the originals in case you need to make changes later. Before discussing the facts of your case with them, read the insurance policy document carefully to determine what is covered or excluded.
Though it may be frustrating and time-consuming at times, these steps ensure that you are able to effectively articulate why you disagree with their judgment and represent yourself in a legally-sound manner. Having such knowledge at hand allows you to plead your case better.
However, it is very common for injury victims to lack the time or energy needed to pursue these challenging conversations when appealing an auto insurance claim decision. If you find this to be true in your case, a personal injury lawyer may be able to handle the claim for you.
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There Are Different Types of Claims to Consider
First-party claims are those made by the person making the claim on their own behalf. Third-party claims occur when a third party (i.e., someone other than the policyholder) has been involved in an incident with the insured’s car and is claiming damage against them.
First Party Claim
This type of claim is usually filed when a car accident has caused personal injury or damage to the insured’s vehicle or property. For instance, if an individual was at fault in an accident and damages were caused to their vehicle, they would file a first-party claim with their insurance company for the necessary repairs.
In some cases, first-party claims may also be used for medical payments for medical bills resulting from an accident.
This might include cases such as someone driving into another driver’s parked car or colliding while they are driving theirs. In these instances, if it is proven that the third party is responsible for any damages incurred, then that individual can make a claim on their own behalf against insurance held by the insured.
It is important to remember that damages sustained by a third party cannot typically be claimed under first-party policies; instead, they must specifically file a third-party claim against insurance policies held by those involved in the incident.
Farmers Insurance can deny either type of claim and leave you without the necessary compensation to deal with your losses and injuries. To best protect your interests, it is always a good idea to reach out to a car accident lawyer when your claim has been denied.
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Get Help from a Lawyer Today If Farmers Insurance Denied Your Accident Claim
Policyholders rely on their insurance companies to provide the coverage outlined in their policies. When an insurance company fails to fulfill its obligations, they are engaging in bad faith practices, and we are prepared to take action. If you need help, contact us today for more information in a free consultation.
Our attorneys have extensive courtroom experience and a track record of taking on even the biggest opponents like Farmers Insurance, Nationwide, Geico, and State Farm. Zanes Law has the experience and resources needed to level the playing field against these major insurers.
We know how to effectively present our cases so they reflect our clients’ best interests. We develop strategies tailored specifically for each case based on individual circumstances. Our goal is always to ensure that victims get the compensation they need and deserve for valid claims that have been denied or underpaid.