In Massachusetts, you also likely don’t have to pay for these expenses yourself. You can instead file an insurance claim for compensation.
However, filing a claim does not guarantee an automatic payout. Sometimes, insurance companies deny car accident claims (even if they don’t legitimately have good reason to do so). Common justifications for denying a claim that an insurance company will use in these circumstances include:
A Claimant was not injured
Often, the injuries that a car accident victim sustains will be obvious and easy to document. That said, there are exceptions. In some instances, victims may sustain injuries that are not readily apparent to others. This can happen as a result of an accident involving low speeds and low impact.
A victim who sustains such injuries may nevertheless still deserve compensation accordingly. However, because their injuries are not obvious to untrained observers and do not initially appear to have a significant impact on their life or comfort, an insurance adjuster trying to minimize their employer’s financial losses might suggest a claimant was not injured to a degree that gives them a right to collect full compensation.
This is why it is vital that you see a doctor in the immediate aftermath of any motor vehicle accident. Even if your accident was minor and you don’t believe you have been seriously injured, adrenaline may be preventing you from noticing the signs of an injury. If you see a doctor as soon as possible, you can ensure there is documentation proving any unnoticed injuries you may have sustained genuinely resulted from your accident. This will make it much more difficult for an insurance carrier to justify denying your claim.
A claim was filed too late
Again, sometimes an insurance company will deny a claim for illegitimate reasons. If you believe an insurer has denied your claim when they should not have, a lawyer can help you fight back and recover what you are owed.
However, there are instances when insurance companies actually do have grounds to deny claims. For example, in Massachusetts, the statute of limitations typically requires personal injury claims and lawsuits to be filed within three years of the date an accident occurred.
Don’t hesitate to start pursuing compensation after a car accident. An insurance company could deny your claim if you wait too long to file it. Although this is an unlikely scenario if you file a claim to collect from your insurance, it could occur if you are filing a claim to collect from the insurance of a negligent motorist or other responsible party.