It is stressful to be involved in a car accident. No one ever expects it, and the resulting physical harm to oneself and damage to a vehicle can be extensive. The financial ramifications of one of these wrecks can be enormous, as car accident victims can be saddled with debt stemming from lost wages, medical expenses and mechanical repairs.
If the driver who caused the accident is insured, then a car accident victim should be able to recover compensation from that driver's insurance company. Yet, oftentimes these companies deny these claims for a variety of reasons. The insurance company may claim that the damage in question was not caused by its insured motorist, the insurance policy had lapsed or the accident wasn't reported to the insurance company quickly enough. Regardless of the reason, a denied insurance claim can leave car accident victims struggling to recoup their losses and frustrated with the system.
Fortunately, there are steps an individual can take in hopes of recovering compensation, even if an insurance company denies a claim. To start, a demand letter can be sent to the insurance company that usually either results in a reversal of the denial or a more specific reason for the denial. If the matter isn't resolved, then the matter may need to be appealed in accordance with the insurance policy's terms. If this doesn't work, then it may be time to take legal action against both the insurance company and the negligent driver who caused the accident.
Of course, all of this takes some time and a lot of effort. While many become overwhelmed with the process, a victim may, hopefully, recover the compensation needed to recoup damages and move on with life.