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What Should You Do if the Insurance Company Denies Your Car Accident Claim?

If you try to file an insurance claim on your own after a collision, there is a good chance that the insurance company will deny your car accident claim. This is especially true if you were injured in the accident and are trying to recover compensation for your medical bills and other injury-related losses.

Unfortunately, wrongful insurance denials are not uncommon. As a result, if the insurance company has denied your car accident claim, you should not assume this is the end of the process. However, you may need to act quickly to protect your legal rights; and, at this stage, it will be important to have an experienced car accident lawyer on your side.

5 Important Steps to Take if the Insurance Company Has Denied Your Car Accident Claim

With this in mind, what can (and should) you do if the insurance company has denied your claim after a car accident in Wisconsin? Here are five important steps you should take promptly: 

1. Collect All of Your Claim-Related Documentation 

You should collect any documentation you have that is related to your car accident claim. This includes mailed letters, emails, text messages, and direct messages you received through the insurance company’s app. It also includes any documentation that you submitted to the insurance company. To assist you with your insurance claim, your lawyer will need to have a clear and comprehensive understanding of everything that has happened to date. 

2. Collect Any Documentation You Have of the Accident and Your Injuries 

Along with collecting documentation related to your insurance claim, you should also collect any documentation you have of the accident and your injuries. This may include things like:

  • Photos or videos you took with your phone at the accident scene
  • Your copy of the police report 
  • Your medical records (i.e., scans, test results, and prescriptions)
  • Your medical bills and receipts 
  • Your employment records if you have missed time from work due to the accident

The more documentation you can provide to your car accident lawyer, the better. Generally speaking, when you have a car accident claim, it is best to conduct a thorough investigation as soon after the accident as possible. Since your lawyer might not be able to gather certain types of evidence due to the amount of time that has passed, any evidence that is available could prove critical for establishing your right to coverage. 

3. Take Detailed Notes About the Insurance Claim Process to Date 

Another important step you should take is to write down everything you can remember about the insurance claim process so far. Take your time, and be as thorough and detailed as possible. Try to write down the answers to questions like:

  • When did you file your insurance claim?
  • How many times have you talked to your adjuster?
  • What discussions have you had with your adjuster?
  • When did you find out that your claim was being denied?
  • What reason did your adjuster give for the denial?

These are just examples. You should write down anything that you think might possibly be relevant to fighting for the financial compensation you deserve. 

4. Hire an Experienced Car Accident Lawyer to Represent You 

While you can continue to fight for compensation on your own, practically speaking, you will need an experienced car accident lawyer on your side. Once you hire a lawyer to represent you, your lawyer will be able to take steps including:

  • Determining if the insurance company’s denial is justified
  • Determining what steps you need to take to challenge the denial 
  • Calculating the financial costs you are entitled to recover
  • Calculating just compensation for your non-financial losses resulting from the accident 
  • Dealing with the insurance company on your behalf

Here too, these are just examples. Even if the insurance company denied your car accident claim, there may be steps that an experienced lawyer can take to help you seek coverage for your financial and non-financial losses. 

5. Be Prepared to Work with Your Lawyer to Hold the Insurance Company Accountable 

Once you hire a lawyer to represent you, you should be prepared to work with your lawyer to hold the insurance company accountable. While your lawyer will be able to deal with the insurance company on your behalf, you will still play an important role in establishing your car accident claim—and you may need to make a variety of important decisions during the claim process. 

Need Help After a Collision in Wisconsin? Discuss Your Claim with an Experienced Madison Car Accident Lawyer for Free 

It can feel overwhelming if the insurance company denies your car accident claim. If you need to know more about protecting your legal rights after a collision in Wisconsin, we encourage you to contact us right away.

Contact Boller & Vaughan today online or at (608) 268-0268 for a FREE case evaluation. We proudly serve clients in Madison and throughout Wisconsin.