What to do when your truck accident claim is denied

Dealing with a truck accident is challenging enough, but when your insurance claim is denied or the offer to settle your claim is unreasonably low, it can feel like an uphill battle. Understanding your rights and the appropriate steps to take can significantly impact your ability to challenge the denial and secure the compensation you deserve successfully.

Below, the skilled Orlando truck accident lawyers from DWK Law offer a detailed guide on what to do when your truck accident claim is denied or undervalued, ensuring you are prepared to navigate the complexities of the claims process under Florida law.

Review the denial letter carefully

The first step after receiving a denial or “low ball” offer is carefully reviewing the denial letter from the insurance company. Insurance companies are required to state the reason for denying a claim. Common reasons may include:

• The insurer believes the accident was avoidable or your fault.
• The type of damage claimed is not covered under the insurance policy.
• Allegations of fraud or misrepresentation in your claim.

Gather additional evidence

Once you understand why your claim was denied, gather evidence that supports your claim and responds to the insurance company’s requests. This may include:

• Photos from the accident scene showing the impact and damage.
• Witness statements corroborating your version of events.
• Medical records if injuries are involved.
• Expert opinions, possibly from accident reconstruction specialists.

Consult with a truck accident attorney

If you believe the denial was unjustified or the offer you are being made is unreasonable, it’s in your best interest to consult with a truck accident attorney. Experienced lawyers, like those at DWK Law, can provide crucial advice and representation. An attorney can:

• Review your denial letter and correspondence with the insurance carrier for an  unlawful denial or an unreasonable offer.
• Negotiate directly with the insurance company on your behalf.
• File a lawsuit against the insurance company, if necessary, to pursue the compensation you are entitled to under the law.

Consider legal action

If negotiations fail, your attorney may advise you to file a lawsuit against the insurance company. In Florida, if it is found that the insurance carrier wrongfully denied your claim and fails to meet your reasonable offers and demands, you may also be entitled to additional damages, including legal fees and costs associated with the lawsuit.

Stay organized and persistent

Throughout this process, keep detailed records of all communications with your insurance company and any additional evidence collected. This documentation can be invaluable in negotiations or in court.

Claim denied? Offer unreasonable? Call us.

Having your truck accident claim denied can be discouraging, but you can take several proactive steps to challenge the denial or the offer. By understanding the insurance company’s reasons, strengthening your case with additional evidence, and enlisting the help of a qualified attorney, you can increase your chances of a favorable resolution.

At DWK Law, we are committed to assisting you through every step of this process, ensuring your rights are protected and you receive the compensation you need to recover from your accident. If you’re facing a denied or undervalued truck accident claim, contact us today to see how we can help.