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Milwaukee accident insurance claim denial lawyerIf you have filed a claim with an insurer following a car accident and received a denial, you are not alone. This happens to many accident victims, but it does not necessarily mean that you are without recourse. Take these steps to help you determine your legal options following the denial of your claim: 

Understand Why You Were Denied

While all denials lead to you not being paid for your losses, there are many reasons why an insurance company could deny your car insurance claim. These reasons may include:

  • The policy does not provide coverage for the claim. It may be that the policy you selected does not cover the loss you experienced. For example, some people opt to forgo collision insurance and only take out a liability insurance policy, the minimum required by law.
  • The driver does not qualify as a person insured by the policy.
  • The accident took place during a lapse in coverage caused by the policyholder’s failure to pay premiums.
  • You have reached policy maximums for insurance coverage amounts, and your insurer will not cover your entire loss.
  • You failed to notify your insurance carrier about the purchase of a new vehicle.

In many cases, insurers issue a denial because they believe that the policy at issue does not cover the loss. Sometimes, however, insurers make a denial in bad faith, which is against the law. If you believe that this is the case, you should speak to a lawyer as soon as possible.

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Milwaukee insurance coverage dispute attorneys, insurance claim, homeowners insurance claim, insurance dispute, insurance denialA homeowner’s insurance policy is meant to cover losses on your home and when you consistently pay the monthly premiums for that policy, you expect your insurance company to pay when a loss does occur.

In many cases, a homeowner’s insurance policy operates as it should. However, sometimes insurance companies try to avoid payment under the terms of their own policies.

If you sustain a loss that you believe is covered by your homeowner’s insurance policy and your insurer rejects the claim, your insurance company should explain to you in writing reasons for denial of your claim, including which provisions your claim does not meet or which provisions preclude you from having a valid claim. You should re-read these sections of your policy so you can understand the insurance company’s reasoning fully and in context.

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Wisconsin accident attorney, injury liability, Wisconsin car crash lawyerAutomobile accidents happen every day, and every day, well-meaning individuals make poor decisions that could cost them in their case. An argument between a North Carolina senator and another driver highlights some of the biggest — and the most common—mistakes. Apologizing and Accepting Blame Immediately after the accident, the senator allegedly apologized to the other driver, saying he did not see her as he was pulling out of a parking space. Afterwards, he attempted to retract his apology in an email to the local news company. In it, he expressed that he had only wished to resolve the matter, but that he had always felt as though the other driver had been at fault for the accident. Unfortunately, the damage to his reputation had already been done. Lesson: Don’t focus on “blame” after an accident.  Make sure all parties are physically okay, including yourself. Accepting a Good Faith Arrangement Because he allegedly wanted to resolve the matter quickly and easily, the senator reportedly gave a good faith statement to the other driver, offering to pay for the damages to her vehicle. As a result, the responding officer did not investigate the accident any further. This created a problem for the other driver when, after being denied payment from the senator, she attempted to file a claim against his insurance. The entire incident became a matter of her word against his. Lesson: Do not enter a good faith arrangement with a complete stranger, regardless of the situation. Failing to File a Claim Because they had entered into a good faith arrangement, the other driver agreed not to file a claim with the senator’s insurance. Unfortunately, he never held up his end of the deal, and by the time she went to file the claim, it had been nearly a month since the accident. There was no real evidence, outside of the photos the senator allegedly took, and the police did not investigate blame. The other driver now only had the choice of paying out of pocket to cover the damages, or filing against her own insurance. Thankfully, it does not appear that she suffered any accident-related injuries. Lesson: If you are in an accident, contact both insurance companies immediately, or contact a personal injury attorney to advise you. Injured in an Automobile Accident? Hire a Skilled Personal Injury Attorney You may be entitled to compensation if you or someone you love has been injured in an accident. However, because these cases are often complex, it is crucial that you contact a skilled Milwaukee automobile accident attorney as soon as possible. At Gimbel, Reilly, Guerin & Brown, LLP, we are dedicated to providing aggressive and compassionate representation for accident victims. Contact our offices at 414-271-1440 today to schedule your consultation.

Source:

http://wral.com/senator-citizen-at-odds-after-traffic-accident/15057422/

auto accident injury, Wisconsin personal injury attorney, filing a claimThe Wisconsin Department of Transportation reported 109,385 total crashes and 39,369 injuries in its last crash report in 2012. Car accidents occur unexpectedly and even if there are no injuries involved, an accident can still prove to be painful due to unforeseen costs, hassle, and stress.

There are several details that go into filing an auto accident claim, which include requesting reports, gathering information from medical providers, and ensuring that all of documents are received and recorded in a timely manner. Wisconsin maintains a statute of limitations on recovering personal injury damages that cannot exceed three years from the date of the accident.

The auto accident claims process can be lengthy and time-consuming, depending on the severity of the accident, but it is important to invest time to take the appropriate steps. Records from every involved party must be collected to create a complete timeline of information. This includes reports from:

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