Road accidents are some of the most common scenarios people buy insurance for. There may be a lot of damages involved, including a life. If you have your own car insurance and have been in a car accident recently, the first thing that comes to mind is to file a claim to your insurance provider. However, this process doesn’t always go as smoothly for others. This is one of the reasons a car wreck attorney and long term disability lawyer exists.
Below are several scenarios wherein Fairfax might deny your claim. Following is a short description of what you can do in order to get benefits.
Toronto Pothole Claim
Accidents don’t only happen when you are drunk or being reckless. Even the most careful drivers can sometimes hit a random pothole on the street, damaging parts of the car. If you own an expensive vehicle, you will find that repairs are very costly. This is an example of what should be covered by your insurance policy. However, it won’t be very easy.
Some city offices will tell you to submit your documents to another office to divert your attention while they swiftly fix the pothole. Usually, the policy will state that the damages should be left untouched until the investigation is done. If the pothole is fixed before you manage to submit the claim to the right office, this might disqualify you.
You have two options for this matter. The first one is to file a pothole claim with your insurance company. It is commonly called a subrogation claim and means that you are trying to prove it is not your fault. Successfully doing this will entitle you to financial compensation for repairs and probably a waived deductible. The second one is to hire a competent lawyer to help you file an appeal to recover damages. It might cost money, but it is a more secure option if your insurance company also refuses to provide help.
Car Crash from Texting
If you have an fully comprehensive auto insurance policy, accidents caused by texting are usually covered. However, some insurance companies might try to make things more complicated. For instance, they might find out you were also under the influence of alcohol and say this nullifies the claim. It might be that your car has a defect that caused the accident apart from your texting.
Just like the above, you have two options. First, you can try to negotiate with your insurance company. There might be a way for you to at least get a part of the compensation or correct their assumption of the event. If you can successfully prove that you deserve to be financially assisted, then all should be well. The second option is if the insurance company doesn’t want to cooperate at all. Car accident lawyers can help you file an appeal for this so you can get the benefits. The process is longer and might be costly, but it is usually worth it if you’ve paid thousands on car damages and medical bills.
Ambulance Fee Waive Claim
Ambulance fees can be very high if the accident has happened very far from the hospital. The city allows you to file for a fee waiver wherein you can contact an ambulance and not pay a cent. However, you need to apply for this privilege and there are applications that get denied. One of the common reasons for denial is misrepresentation of facts. Another is lack of documentary proof. If you are filing a car accident claim as well, it is best to copy all the supporting documents you have. It should also be noted that this privilege is meant for people who cannot afford to pay for ambulance services. If you belong to a high-income bracket, you will most likely be denied.
You can start by contacting your insurance company and see if they can cover the ambulance costs. If you follow the steps and requirements and they still deny your claim, you can approach a car accident long term disability lawyer. With legal help, you can file an appeal to the court to demand benefits from your insurance company. Take note that you need to have a solid case in order to win, so evidence is very important.
If your insurance claim was denied, your benefits have been terminated or need legal advice on your long term disability claim, contact us today for your free consultation.
If you notice, all scenarios give you two options. One is to approach your insurance company and the other is to hire a lawyer if all else fails. If you think that you deserve to get benefits despite the reasons provided by your insurance provider, do not hesitate to get a lawyer. As long as you hire someone with skill and experience on car accidents and disability cases, you will be in good hands.
