If you’ve been involved in an automobile accident, you will likely turn to your insurance company for financial restitution. However, there are some instances where they may deny you compensation. Although this denial can be alarming, there are many valid reasons why an insurance provider may not offer compensation. Here are a few possible explanations for the decision and how an accident attorney may be able to help you.

When Can Insurance Companies Deny Auto Accident Claims?

1. Uninsured Motorist

When an at-fault party doesn’t have insurance or hasn’t paid the premiums on their policy, providers will deny the claim. If your car insurance policy offers uninsured motorist’s coverage, you may be able to file a claim with your provider. You may also be able to file a lawsuit against the at-fault party with the help of an attorney.  

2. Insufficient Coverage

The minimum liability coverage required in Montana should provide up to $25,000 to a person injured in an accident and $50,000 if multiple people were injured. If the cost of your medical damages exceeds this amount, you may not be extended full compensation. However, you may be able to file a lawsuit to seek additional compensation directly from the at-fault party.

3. Disputed Liability

When there are disputes about the cause of an automobile accident, insurance providers may deny claims until a clear determination is made by the court. Accident attorneys can help demonstrate proof of liability by examining police reports, providing photographic evidence, and supplying witness testimony.

4. No Proof of Injury  

If your claim for medical damages was denied, you may need to submit further documentation of your injury—such as medical reports from a doctor—to be approved for compensation. If the injury is disputed, hire an attorney who can present a case against the at-fault insurance provider.

5. Too Much Time Has Passed

In Montana, you have three years from the date of an automobile accident to file a claim for medical injury and two years to file property damage claims. Passing this date will result in automatic case dismissal. You might also be denied compensation if too much time passed after the accident before you gathered appropriate evidence—such as medical reports regarding injuries.

The attorneys of Bothe and Lauridsen PC understand how stressful automobile accidents can be, so they are committed to making the claims process as simple as possible. These personal injury lawyers of Columbia Falls, MT, will carefully review all aspects of your case to calculate the damages and prepare evidence. Well-versed in insurance law, these professionals will negotiate aggressively on your behalf to help you collect the compensation you are owed. For more information about these services, visit the firm online. To schedule a consultation with an accident attorney, call (406) 892-2193.