A successful car accident claim can provide financial stability when you need it most. Unfortunately, many valid claims are initially denied, leaving accident victims both frustrated and uncertain about their future.
A denied car accident claim is not the end of the line, but you need skilled legal guidance to fight back and pursue your rightful compensation.
The denied car accident claim attorneys at Morris, King & Hodge, P.C., proudly protect the rights of car accident victims in Huntsville and across North Alabama. We stand up to insurers, challenge unfair denials, and fight for the compensation you deserve while you focus on recovery.
Contact us today to learn more during a free consultation about your car accident case.
What Could Be the Reasons Your Car Accident Claim Was Denied?
Insurance companies rarely deny claims without offering a reason. Unfortunately, the reasons they do offer are frequently unfair or inaccurate. Adjusters often search for any justification to avoid paying, including:
- Alleged auto insurance policy violations, such as late reporting or incomplete paperwork
- Disputes over fault, especially given Alabama’s harsh contributory negligence system
- Claims of insufficient evidence, including a lack of photos or witness statements
- Assertions that injuries predated the crash
- Coverage exclusions or lapses, even minor or disputed ones
Insurers also deny claims simply to test whether claimants will fight back. Many insurance companies hope injured drivers will accept the denial and walk away without seeking legal guidance. Do not let them get away with it.
What to Do If Your Car Accident Claim Is Denied
An insurance company’s claim denial does not end your case. It simply marks the beginning of the next phase. The steps you take after a denial can directly affect your ability to recover your rightful compensation.
If insurance denies your car accident claim, you should:
- Request a written explanation of the denial from the insurer if you have not already received one
- Review your policy carefully to identify coverage obligations
- Gather additional evidence based on the written explanation for the denial
- Avoid offering recorded statements to insurers without legal guidance
- Document all communications with the insurance company
- Contact our experienced denied car accident claim attorneys
You can trust the experienced personal injury attorneys at Morris, King & Hodge, P.C., to take swift action to fight for the compensation you deserve.
When It’s Too Late to Hire a Lawyer If Insurance Denies Your Claim
Some unfortunate accident victims wait too long to seek legal help because they believe the facts of their claim are clear enough. They hope the insurance company will “do the right thing.” That delay can cost them everything.
It may become too late to hire a lawyer when:
- The two-year statute of limitations expires
- Critical evidence becomes lost or destroyed
- You sign a release or settlement agreement
Alabama sets strict deadlines for filing personal injury lawsuits. You typically have two years from the date of the accident to file, and insurance claim denials do not extend this deadline. After the deadline passes, you can no longer pursue compensation for your injuries in court. Protect your legal rights by contacting our car accident attorneys right away.
Hire an Experienced Attorney at Morris, King & Hodge, P.C., Today
Denied insurance claims require aggressive legal action and detailed evidence. At Morris, King & Hodge, P.C., our attorneys have extensive experience pushing back against big insurance companies and fighting for the compensation our clients deserve from every available source of insurance coverage.
When you hire us to contest a denied claim, we will:
- Investigate the denial – Our team will analyze your insurance policy and denial letter to identify bad-faith insurance practices and unfair reasoning on the part of the insurance provider.
- Gather evidence – Once we understand the reasoning for the denial, we will gather and present the evidence needed to refute the insurance company’s claims.
- Utilize experts – We often work with doctors and healthcare specialists to connect injuries to the crash, prove their impact on your life, and show how the at-fault party caused them.
- Communicate with insurers – Insurance companies may attempt to minimize your payout in any way they can. Our team can protect your rights by handling all communications with them.
- Negotiating for a fair settlement – When it comes time to negotiate for the compensation you deserve, we will advocate aggressively for your best interests.
- Representing you in court, if necessary – If insurers will not offer a fair settlement, we can file a lawsuit and take your claim to court, where our experienced trial attorneys will fight for a favorable verdict on your behalf.
You do not have to face the fear and frustration of a denied claim on your own. Our team can lead you through the entire process and help you fight for the financial stability you deserve.
FAQs About Denied Accident Claims in Alabama
Can I still get money if my car accident claim was denied?
Potentially. A denial does not end your right to recover compensation. Many denied claims can be challenged and still result in negotiated settlements or verdicts at trial. An attorney can help you gather additional evidence and appeal the car insurance company’s denial, or file a lawsuit against the at-fault party.
Is there a statute of limitations after a claim is denied?
The deadline for filing a car accident lawsuit in Alabama is two years from the date of the accident. The deadline remains the same regardless of whether a car insurance claim is initially denied.
What if the insurance company says my injuries aren’t related?
Insurance companies frequently claim that injuries are unrelated to the accident to avoid paying out the claim. A skilled car accident lawyer can work with treating physicians and medical experts to clearly connect your injuries to the accident and refute the insurer’s argument.
Can I sue the insurance company for denying my claim?
In some situations, yes. Alabama law allows claims against insurers that engage in bad-faith practices, such as denying auto insurance claims without a reasonable basis. An attorney can evaluate whether bad faith applies to your case.
Can a lawyer overturn a denied insurance claim?
In many cases, yes. Attorneys often succeed in reversing denials through appeals or litigation. Legal representation shows insurers that you understand your rights and refuse to accept unfair treatment.
