If you or somebody you love has been injured or sustained property damage in a vehicle accident but had the claim denied by Allstate, then you need to take steps immediately to ensure that your claim is reviewed. You need compensation for your medical bills and property damage expenses, but standing up to a major insurance carrier like Allstate can seem intimidating. Here, we want to discuss what you can do right now to help ensure that your claim is accepted.
Why Allstate Claims get Denied in NC
There are certainly legitimate reasons why insurance claims get denied by Allstate and other insurance carriers. However, North Carolina law requires that all insurance carriers respond to your claim in a timely manner, including information about acceptance or denial of the claim. Additionally, insurance carriers are responsible for upholding their side of the agreement and paying any legitimate settlements to you in a timely manner.
Some of the legitimate reasons that claims get denied include:
There is a dispute over fault for the incident
You do not seek medical treatment
You or asking for money above your policy limits
You do not have comprehensive or collision coverage on the vehicle
Your insurance policy lapsed due to nonpayment
If you think that your insurance claim was wrongfully denied, we encourage you to reach out to a skilled vehicle accident lawyer in North Carolina who can assist you with this process. The reality is that an attorney will be able to understand the legitimacy of your claim and work towards recovering the compensation you need. Additionally, you can file a complaint with the North Carolina Department of Insurance, the agency responsible for ensuring insurance carriers abide by the terms of their policies.
Dealing With Bad Faith Allstate Insurance Claim Denial
There are times when Allstate denies claims in bad faith. This means that the insurance claims adjuster lacks the grounds to have made the denial decision based on the evidence provided. There are specific laws against insurance carriers operating in bad faith. Some of the most common bad faith denials include insurance carriers:
Failing to respond to your claim in a timely manner
Not adequately investigating the incident
Failing to accept legitimate evidence you provide
Flat out refusing to pay a valid claim
Making threatening statements toward you
Offering far less money than the claim is actually worth
Discussing Your Insurance Denial With an Attorney
If you suspect that your claim has been denied in bad faith, we strongly encourage you to reach out to a Raleigh car accident attorney immediately. A skilled lawyer who has experience handling complex accident claims can help you work with the insurance carrier every step of the way. You will not be the one responsible for communicating with the insurance carriers. Your attorney will gather the evidence needed to prove what happened in the incident, examine the insurance policy and the denial you received, submit a proper demand letter from the insurance carrier, and work to recover the compensation you need. If necessary, your attorney will file a civil personal injury lawsuit to help you recover the compensation you need for medical bills, lost wages, property damage expenses, and pain and suffering damages.