blog Auto Accident Insurance/Bad Faith What To Do After Your Oklahoma Car Insurance Claim is Denied

What To Do After Your Oklahoma Car Insurance Claim is Denied

By on May 8, 2024 | Posted in: Auto Accident, Insurance/Bad Faith

Many have experienced this situation: your car and another car are involved in a collision. Maybe the other driver made an illegal turn at a red light. Your vehicle is damaged, and you and your passengers may have been injured. You follow the steps to file a claim with the other driver’s insurance company. However, today, you received a letter stating the claim has been denied. 

At Car Accident Help, we know that a car accident can be overwhelming. The aftermath can be equally challenging, especially if your car insurance claim is denied. 

The Car Accident Help team of experienced Oklahoma attorneys understands the frustration and confusion of a denied insurance claim. Whether your auto insurance claim has been denied by your insurance company or another driver’s insurance company,  we might be able to help. 

In this article, we’ll advise on what to do after your Oklahoma car insurance claim is denied. We hope this guide empowers you to take proactive steps to protect your rights and seek the compensation you are entitled to. 

If you or a loved one has been permanently or catastrophically injured in a car collision, and you’re struggling with insurance companies, the Car Accident Team of attorneys is here to help. Contact us today for a free accident analysis

Understand The Reasons for Denial

When your car insurance claim is denied, you should first understand the reasons behind the denial. 

Common reasons for denial include: 

  • Policy exclusions
  • Insufficient evidence to support the claim
  • Disputes over liability 
  • An uncovered driver operating the vehicle
  • Lack of coverage or lapse of coverage  

For example, if your insurance company denied your claim because it doesn’t cover certain types of damages, the denial may be warranted. Or, if the other driver’s insurance company denied your claim because they believed you were partially at fault for the accident, they may deny your claim or reduce your recovery significantly. By understanding the specific reasons for denial, you can better navigate the process and address any issues that led to the denial.

If you’re unsure what a denial letter means, the Car Accident Help team recommends contacting a trusted car accident attorney for support. We can help you understand the denial and recommend steps to take next. 

Review Your Insurance Policy

Before taking any further action, you should also carefully review your car insurance policy. PSA: the best time to know what your policy actually covers is before you need it.  Be sure to ask your agent lots of questions to fully understand what coverage you have.  Pay close attention to the coverage limits, exclusions, and requirements outlined in your policy documents. Understanding your policy language and terms will help you determine whether your insurer’s denial was justified and whether you have grounds to file a lawsuit to have the insurance policy cover the damages and injuries sustained.  

If your own insurer has denied your car insurance claim, and you believe the denial was unjustified, you may have grounds for a bad faith insurance claim. Insurance bad faith occurs when an insurance company fails to fulfill its obligation to act in good faith when handling a claim dispute. 

While insurers are not required to agree with every aspect of a claim, they are expected to make reasonable efforts to resolve disputes within the terms of the policy. In other words, your insurance company is contractually and ethically bound to work with you in good faith to reach a fair resolution. To pursue a bad faith claim, contact our team

Seek Legal Assistance

Dealing with a denied car insurance claim can be frustratingly complicated, especially if you’re unfamiliar with the legal process. That’s where the Car Accident Help team comes in. 

Finding an experienced Oklahoma car accident attorney is a great next step. Our experienced attorneys specialize in representing victims of car accidents in Oklahoma and can provide expert guidance and advocacy throughout the entire process. We’ll review your case, assess your options, and help you navigate the complexities of insurance law for an opportunity to recover the compensation you deserve.

Gather Evidence and Documentation

Evidence is key when pursuing a denied car insurance claim. Our attorneys can help by gathering evidence and documentation to support your case. The evidence submitted may include photos of the accident scene, witness statements, police reports, medical records, and any other relevant documentation. The more evidence provided to support your claim, the stronger your case will be. 

File a Lawsuit

If negotiations with the insurance company fail to resolve your claim, you may have the option to file a lawsuit. Filing a lawsuit can be a complex and time-consuming process, but it may be necessary to pursue justice and fairness.  

Car Accident Help’s attorneys have extensive experience representing clients in car accident clients in lawsuits throughout Oklahoma and will try to negotiate a fair settlement with the insurance companies, but if that is unsuccessful will be prepared to file a lawsuit on your behalf.

Legal Help For Auto Insurance Claim Denials in OKC 

You don’t have to face auto insurance companies alone. With the help of the Car Accident Help team, you can take proactive steps to protect your rights and seek the compensation you deserve. 

Our experienced attorneys are here to provide expert guidance and advocacy every step of the way. Don’t wait – contact us today for a free case evaluation, and let us help you get back on the road to recovery.

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What To Do After Your Oklahoma Car Insurance Claim is Denied

Many have experienced this situation: your car and another car are involved in a collision. Maybe the other driver made an illegal turn at a red light. Your vehicle is damaged, and you and your passengers may have been injured. You follow the steps to file a claim with the other driver’s insurance company. However, today, you received a letter stating the claim has been denied. 

At Car Accident Help, we know that a car accident can be overwhelming. The aftermath can be equally challenging, especially if your car insurance claim is denied. 

The Car Accident Help team of experienced Oklahoma attorneys understands the frustration and confusion of a denied insurance claim. Whether your auto insurance claim has been denied by your insurance company or another driver’s insurance company,  we might be able to help. 

In this article, we’ll advise on what to do after your Oklahoma car insurance claim is denied. We hope this guide empowers you to take proactive steps to protect your rights and seek the compensation you are entitled to. 

If you or a loved one has been permanently or catastrophically injured in a car collision, and you’re struggling with insurance companies, the Car Accident Team of attorneys is here to help. Contact us today for a free accident analysis

Understand The Reasons for Denial

When your car insurance claim is denied, you should first understand the reasons behind the denial. 

Common reasons for denial include: 

  • Policy exclusions
  • Insufficient evidence to support the claim
  • Disputes over liability 
  • An uncovered driver operating the vehicle
  • Lack of coverage or lapse of coverage  

For example, if your insurance company denied your claim because it doesn’t cover certain types of damages, the denial may be warranted. Or, if the other driver’s insurance company denied your claim because they believed you were partially at fault for the accident, they may deny your claim or reduce your recovery significantly. By understanding the specific reasons for denial, you can better navigate the process and address any issues that led to the denial.

If you’re unsure what a denial letter means, the Car Accident Help team recommends contacting a trusted car accident attorney for support. We can help you understand the denial and recommend steps to take next. 

Review Your Insurance Policy

Before taking any further action, you should also carefully review your car insurance policy. PSA: the best time to know what your policy actually covers is before you need it.  Be sure to ask your agent lots of questions to fully understand what coverage you have.  Pay close attention to the coverage limits, exclusions, and requirements outlined in your policy documents. Understanding your policy language and terms will help you determine whether your insurer’s denial was justified and whether you have grounds to file a lawsuit to have the insurance policy cover the damages and injuries sustained.  

If your own insurer has denied your car insurance claim, and you believe the denial was unjustified, you may have grounds for a bad faith insurance claim. Insurance bad faith occurs when an insurance company fails to fulfill its obligation to act in good faith when handling a claim dispute. 

While insurers are not required to agree with every aspect of a claim, they are expected to make reasonable efforts to resolve disputes within the terms of the policy. In other words, your insurance company is contractually and ethically bound to work with you in good faith to reach a fair resolution. To pursue a bad faith claim, contact our team

Seek Legal Assistance

Dealing with a denied car insurance claim can be frustratingly complicated, especially if you’re unfamiliar with the legal process. That’s where the Car Accident Help team comes in. 

Finding an experienced Oklahoma car accident attorney is a great next step. Our experienced attorneys specialize in representing victims of car accidents in Oklahoma and can provide expert guidance and advocacy throughout the entire process. We’ll review your case, assess your options, and help you navigate the complexities of insurance law for an opportunity to recover the compensation you deserve.

Gather Evidence and Documentation

Evidence is key when pursuing a denied car insurance claim. Our attorneys can help by gathering evidence and documentation to support your case. The evidence submitted may include photos of the accident scene, witness statements, police reports, medical records, and any other relevant documentation. The more evidence provided to support your claim, the stronger your case will be. 

File a Lawsuit

If negotiations with the insurance company fail to resolve your claim, you may have the option to file a lawsuit. Filing a lawsuit can be a complex and time-consuming process, but it may be necessary to pursue justice and fairness.  

Car Accident Help’s attorneys have extensive experience representing clients in car accident clients in lawsuits throughout Oklahoma and will try to negotiate a fair settlement with the insurance companies, but if that is unsuccessful will be prepared to file a lawsuit on your behalf.

Legal Help For Auto Insurance Claim Denials in OKC 

You don’t have to face auto insurance companies alone. With the help of the Car Accident Help team, you can take proactive steps to protect your rights and seek the compensation you deserve. 

Our experienced attorneys are here to provide expert guidance and advocacy every step of the way. Don’t wait – contact us today for a free case evaluation, and let us help you get back on the road to recovery.

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