After a car accident, understanding who is at fault is vital, as the person at fault is responsible for bearing the cost the other party incurred. It includes medical bills, travel expenses, the party’s damaged vehicle, and others. Insurance companies sometimes try to lower the compensation or refuse to make payments for various reasons.
If you have met with an accident recently and are experiencing the same condition, you can hire an accident lawyer to help you at every step. In this article, let’s discuss why insurance companies might deny your liability claim and steps to provide liability. Let’s explore!
5 Reasons Why an Insurance Company Might Deny Your Liability Claim
- Police Report Contradictions: In case you file a liability claim against an insurance company, and the report consists of contradictory statements, the claim can be denied.
- Lack of Coverage: In case the total claim is more than the insurance cover, the company can refuse to pay the claim.
- Proof of Fault: If you cannot prove the fault of another driver or second party, you might not be paid.
- Failure to Seek Medical Attention: In case you’re not diagnosed with any injuries or medical treatment, even when your case consists of physical injuries, it can be a reason for denial.
- Failure to File: Generally, the time to file your claim is 30 days. If this time window passes, your claim can be denied.
5 Steps to Prove Liability in a Car Accident Case
Step 1. Do NOT Admit Fault At the Scene
While filling out an accident report or giving information about the incident to the police, ensure you do not admit your fault, even if you’ve contributed to the accident.
Step 2. Collect Evidence
Ensure you click pictures of all possible evidence, such as all vehicles involved and all visible injuries. In case there were any witnesses, take their contact information or statements.
Step 3. File a Police Report
Filing a police report is crucial to prove the liability in a car accident case, as they will conduct a detailed investigation to determine liability. Police also ask different witnesses and record their statements.
Step 4. Document the Driving Conditions
Take care of posted speed limits, stop signs, school zones, “no turn” signs, etc., which might or might not have been present during the time or place of the accident.
Step 5. Obtain Legal Advice
If you are clueless after a car accident case, it is best to hire a personal injury lawyer and obtain legal advice. An attorney has the right knowledge and skills to handle the insurance company, ensuring you get maximum compensation.
If you or your family have recently met an accident, a personal injury attorney can help you provide liability in a car accident case