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My Insurance Won’t Cover My Accident. Can An Auto Accident Lawyer Help Me?

Facing a denied car accident claim? Auto accident attorneys can help you get the compensation you deserve.

Is insurance denying your car accident claim in Houston? Don’t panic. A Houston auto accident attorney knows how to fight for what’s rightfully yours. They can deal with complex policies, negotiate with insurers, and even go to court. Get the help you deserve.

Quick Summary:

  • Liability, comprehensive, and collision are the main types of auto insurance coverage.
  • Some common reasons for claim denials are policy exclusions, lapses in coverage due to unpaid premiums, and disputes over who is at fault in the accident. 
  • The impact of denial on the injured party includes financial stress, emotional toll and added stress from dealing with denials, delayed repairs, and potential legal complications. 
  • The role of an auto accident lawyer is crucial. They understand accident laws and insurance details, assist in reviewing your policy to uncover overlooked coverage, help gather evidence like accident reports and medical records to strengthen your claim, negotiate with insurance companies for a fair settlement, or take the case to court if necessary. 
  • When finding the right auto accident lawyer, look for expertise and experience in similar cases. Also, highlight the importance of clear communication and a good track record. Lastly, ask specific questions about case handling and fees during the initial consultation.

The Basics of Auto Insurance Coverage

Auto insurance helps cover costs if you’re in a car accident. It’s a contract between you and the insurance company. You pay a premium, and they promise to pay for certain car-related damages under your policy in return. Let’s look at three basic types of coverage below:

  1. Liability Coverage: This is a must-have in most states, especially in Texas. If you cause an accident, liability coverage helps pay for the other person’s expenses. There are two parts:
  • Bodily injury liability helps cover costs related to injuries the other person gets from the accident.
  • Property damage liability helps pay for damages to the other person’s property, like their car.
  1. Comprehensive Coverage: This pays for damage to your car not caused by a collision. Think of things like theft, vandalism, hail, or hitting an animal. If your car is damaged by one of these, comprehensive coverage can help cover the repair costs.
  2. Collision Coverage (car damage coverage): This comes into play if your car hits another car or object, like a fence or a tree. It doesn’t matter who’s at fault. Collision coverage can help pay for the repairs to your car.

Understanding these coverages is key. They protect you and your finances in different situations. It’s like having a safety net that catches you if something goes wrong on the road.

Common Reasons for Insurance Claim Denials After an Accident

When you’ve had a car accident, getting a claim denied by your insurance can be frustrating. Here are some common reasons why this might happen:

  1. Policy Exclusions: Your insurance agreement lists what it does and doesn’t cover. Some things are usually not covered, like damage from racing or using your car for business without the proper policy. If your accident involves these, your claim might be denied.
  2. Lapses in Coverage: If you miss paying your insurance premium, your policy could lapse. That means no coverage. If an accident happens when your policy is not active, the insurance won’t cover it.
  3. Disputes Over Fault: Sometimes, it’s unclear who caused the accident. If there’s a dispute about who is at fault, the insurance company might deny the claim until it’s resolved. That is because who pays depends on who caused the accident.

These are just a few reasons insurance claims can be denied. It’s tough when it happens, but knowing why can help you figure out what to do next.

Impact of a Denial on the Injured Party

When an insurance claim is denied after a car accident, it can impact the person involved. Here’s how:

  • Financial Stress: Paying for repairs or medical bills out of pocket can be expensive. Without help from insurance, the costs can add up fast. That can lead to financial stress or even debt.
  • Emotional Toll: Dealing with a denied claim adds more stress to an already tough situation. It can feel like you’re fighting a battle on two fronts: recovering from the accident and arguing with your insurance.
  • Delayed Repairs: Fixing your car might have to wait without the money from an insurance claim. It might mean you can’t get to work or take care of family needs.
  • Legal Complications: Sometimes, you might need to challenge a denied claim. That can mean getting a lawyer and going through a legal process. It’s time-consuming and can add to the stress.
  • The Role of an Auto Accident Lawyer: Auto accident lawyers offer essential assistance after a car accident, guiding clients through legal and insurance complexities. Their roles include:
    • Understanding and Applying the Law: They are professionals in traffic laws and accident-related legal issues, using this knowledge to benefit your case.
    • Case Evaluation: They assess the specifics of your accident to determine the best course of action, whether negotiating with insurance companies or proceeding to court.
    • Handling Paperwork: They manage all the necessary documentation and communication, from filing claims to negotiating with insurers.
    • Advocacy and Negotiation: Acting on your behalf, they negotiate with insurance companies to secure a fair settlement.

Finding the Right Auto Accident Lawyer

Choosing the right Houston auto accident attorney is key to getting the best help after a car accident. Here are some crucial tips: 

  • Look for Expertise: You want a lawyer who knows a lot about auto accident cases. Look for someone who has handled cases like yours before.
  • Check Experience: How long has the attorney been working in this area? Experience can make a big difference in understanding the complex details of car accident claims.
  • Ask for References: A good lawyer should have clients who are happy with their work. Ask if you can talk to any past clients.
  • Consider Communication: Choose an attorney who talks clearly and can explain things in a way you understand. You should feel comfortable asking questions.
  • The Importance of a Good Track Record: A lawyer’s track record tells you a lot. It shows they can get good results for their clients. Don’t be shy about asking about their wins and how they’ve helped others in similar situations.
  • Clear Communication: Having a lawyer who communicates well is necessary. You should feel like you know what’s going on with your case and what to expect next. A good lawyer will make sure you’re informed and feel supported.

Finding the right auto accident lawyer can make a big difference in your case. Take your time, ask questions, and choose someone who you think will fight hard for you.

Unlock Your Options with a Trusted Houston Auto Accident Attorney Today!

Dealing with an insurance claim denial after a car accident can be tough. You might feel lost or unsure about what to do next. But remember, you have options. Throughout this article, we’ve talked about how auto accident lawyers can be a big help. They understand the law, know how to deal with insurance companies, and can fight to get you the compensation you deserve.

Here’s why hiring an auto accident attorney is a smart choice:

  • They can look at your insurance policy to find coverage you might have missed.
  • They gather evidence to make your claim stronger.
  • They’re good at negotiating with insurance companies to get you a fair settlement.
  • If needed, they can take your case to court.

No one should have to deal with the aftermath of a car accident alone. If your insurance company has denied your claim, it’s important to get the right help.

Leeds Law Firm in Houston, TX, has experienced auto accident lawyers ready to assist you. We understand what you’re going through and are here to help you every step of the way. If you’re facing a denied insurance claim, don’t wait. We also handle cases such as wrongful termination, age discrimination, and criminal mischief. Contact us today to see how we can help. Let’s work together to get the fair treatment and compensation you deserve.



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