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Insurance Claim Denials

When you are involved in a car accident that isn’t your fault, it is reasonable to expect an insurance company to compensate you for your injuries. In fact, this expectation of liability is why most states require drivers to have car insurance. However, insurance companies do not always agree with the cause of an accident. You may be facing an insurance claim denial that is unjustified or made in bad faith. In such cases, you need the help of an experienced Jersey City personal injury attorney to advocate for your rights.

Bhatt Law Group can help you stand up to powerful insurance companies and take the issue to court, if necessary. Our Jersey City car accident attorneys have decades of combined experience working with insurance companies and adjusters, and they know how to ensure that an insurance company acts fairly in evaluating your claims. Contact Bhatt Law Group to find out how we can help.

Acting in Bad Faith

It is important to remember that insurance companies are in business to make money. They do not exist for the benefit of people who file claims, and they may deny a claim even if it has merit. If an insurance company fails to fulfill its legal obligation to fairly and reasonably evaluate your claim, it may mean that it is acting in bad faith. An insurance company may breach its duty to fairly investigate and pay out the reasonable value of a claim in a timely manner.

Insurance companies act in bad faith when they:

  • Engage in deceptive practices or intentional misrepresentation of facts to support denial of claims
  • Purposefully misinterpret records or the language of an insurance policy to deny coverage
  • Engage in unreasonably long delays in processing or resolving a claim or fail to investigate a claim altogether
  • Engage in unreasonable conduct, such as demanding excessive proof of losses or making obnoxious discovery requests
  • Engage in coercive or abusive strategies to force a settlement of claims
  • Fail to implement procedures to allow claims to be adequately investigated
  • Make a low-ball offer to settle your claim for an amount that is unreasonably less than the actual damages you suffered

What to do After Your Claim is Denied

If an insurance company denies your car accident claim, you should contact a Jersey City personal injury attorney immediately. Often insurance companies have procedures that force them to investigate a claim more thoroughly if a claimant has legal representation. Your attorney can help you respond to a denial through the insurance company’s appeal process and collect more evidence to help support your claim.

Your attorney can negotiate forcefully on your behalf with the insurance adjusters assigned to your case to make sure that the company sufficiently considers all relevant evidence and information. Your attorney can also file a lawsuit in court if an insurance company insists on acting in bad faith.

If you’ve been injured in a car accident, you should take steps to protect your rights by contacting an experienced New Jersey attorney. Your chances for a favorable outcome are greater if you have an advocate by your side from the very beginning.

Bhatt Law Group has been serving people in New Jersey since 2006 and can help you pursue your car accident claim. Contact us at (201) 798-8000 for a free consultation so we can discuss your legal options with you.