Cars are susceptible to damage. You might be the best and most responsible driver in the world, but that still does not immune your vehicle from getting into an accident with another car and getting damaged. This is why it is essential, suggested, and required by the law to buy a comprehensive car insurance policy as soon as you buy a car.
If you have been in a car accident caused by the other party, you may be considering filing a car accident claim. However, many car accident claims are denied by insurance companies, and it is essential to know why that happens. Knowing other people’s mistakes will help you avoid them and increase your chances of winning. To know more, speak to an Orlando Personal Injury Lawyer today.
Reasons the insurance company may deny your car accident claim
1. You were driving without a license when the accident happened.
It would give the other party an advantage if you were driving without a license or with an expired license when the car accident occurred. The other party then can use the defense that you are an irresponsible driver to shift the liability to you. Even though they may still be at fault, some of the percentages of fault may be shifted to you, also known as comparative negligence.
Driving without an active license is illegal in all the states of the US. Not carrying a valid license shows that you are an irresponsible driver, and thus, you also had a fault in the accident.
2. You waited too long to file a claim.
While seeking medical care first and reporting the accident to the authorities is recommended, you should not forget to contact the insurance company as soon as possible. The moment you get to a safe place, you should inform your insurance company about the accident. Many insurance companies have a specified time frame within which the policyholder must raise a claim. If you miss this deadline, you may experience trouble.
3. You were negligent while driving.
The other party will do everything possible to shift the blame to you or show that you were negligent while driving. If they succeed, you will not receive compensation from the insurance company, or at least not the entire amount. Based on how much percentage of fault you have, your damages will be calculated.
For example, if your car was in bad condition, they can raise the defense that it malfunctioned and, thus, the accident occurred.