Let's say a person in Berks County gets into a car accident and they believe it was the other party's fault. The person should make a claim with the other driver's insurance company. Often, the insurer will approve the claim and pay the person. But what if the insurance company denies the claim? This blog post will describe this situation in a little more detail.
There are a number of reasons an insurance company may provide for denying a claim. They may say that the accident wasn't covered by the policy. This happens if the insurance company says that an excluded peril, such as an act of God, was the cause of the accident. The insurer may also claim that there was no valid policy in place or that the claim was not made in time.
When a claim is denied, the person who filed the claim may have to get a lawyer involved. After going over the situation with the client, the lawyer may send a demand letter to the insurance company. A letter from an attorney will usually get more attention from an insurance company than would a letter from the person making the claim. This may result in the insurance company changing its position and offering to settle the claim.
If the claim is still denied or not handled to the client's satisfaction, the lawyer may help the client with navigating the insurance company's appeals process. It may also be necessary to file a lawsuit. Especially if one or more people suffered personal injury in the accident, it is probably a good idea to get a lawyer involved early.