Denied GEICO Insurance Claims in North Carolina
GEICO has a long history in the United States (going back to 1936), and the vast majority of claims made with them are processed successfully. However, claim denials are not uncommon and often happen for unwarranted reasons. Here, we want to discuss the steps that you may need to take if GEICO denies your insurance claim in North Carolina. It is crucial for you to recover the compensation you are entitled to after a vehicle accident.
Why GEICO Claims get Denied in NC
There are various reasons why a GEICO insurance claim could get denied. It is important to understand why your claim was denied so that you can move towards getting the claim accepted. When we examine information from the North Carolina Department of Insurance (DOI), we see that insurance carriers are responsible for providing you with a timely and clear explanation of why they accepted or denied the claim. Insurance carriers should also provide a clear explanation of when your claim will be paid, respond to your questions in a timely manner, and offer timely payouts.
If your insurance claim is denied, you should receive a clear explanation of why it was denied. Some of the most common reasons why GEICO claims get denied in North Carolina include:
- You currently only have liability insurance but filed a claim for collision coverage
- You are not a named insurer on the policy
- The insurance policy lapsed because of failure to pay the premium
- You have specific policy limits, but you are seeking compensation above those limits
- A new vehicle was not properly added to the insurance policy
- There is a dispute over who caused the accident
Dealing With Bad Faith GEICO Insurance Claim Denial
There are times when insurance carriers deny claims in bad faith. If you receive a denial letter that does not seem relevant to the specific claim you committed, you could be dealing with a bad faith denial on the part of GEICO.
GEICO, and other insurance carriers, are responsible for acting in good faith when handling a submitted auto insurance claim. If GEICO fails to adequately consider the claim that you submit and deny us to claim for a reason that suggests bad faith, you need to speak to an attorney immediately.
Some of the ways that a denial could be considered bad faith include:
- Unfair claims settlement practices
- Misrepresentation of provisions in the policy
- Failure to acknowledge specific communications from you
- Failing to adequately investigate the claim
- Failing to make a fair and equitable settlement offer
You can certainly file a complaint with the North Carolina Department of Insurance, and they may be able to assist you with your bad faith denial. However, you may want to examine your case with an attorney beforehand.
Discussing Your Insurance Denial With an Attorney
If you or somebody you love has submitted an auto insurance claim to GEICO but has received a denial letter, you may need to speak to a Raleigh car accident attorney as soon as possible. These claims can become incredibly complicated, but a skilled lawyer will work diligently to investigate your accident, examine the denial from GEICO, and work to get your claim paid.