Luke Dow Law Firm

My Car Insurance Company Denied My Claim – What Are My Options?

By Luke Dow on December 14, 2016

Car insurance companies advertise reliability, honesty and integrity. The truth, however, is that these businesses make their mint by paying out the lowest amount of money possible. There are all sorts of excuses that insurance providers use to deny claims and leave their policyholders out to dry.

Two Drivers Arguing After Traffic Accident


If you believe that your insurer wrongfully denied your claim or offered an unfair payout, contact the Luke Dow Law Firm. Luke Dow is a board-certified personal-injury attorney in Austin who knows the tactics that insurance companies use to cheat their policyholders. Call 512-518-4104 to discuss your case in a free initial consultation.

What to Do after Your Car Insurance Company Denies Your Claim

After you have received an official letter of denial from your insurance provider, it is highly advisable that you contact a car wreck lawyer. Hiring an attorney will tell your insurance company that you mean business.

Your lawyer will evaluate your policy and the reason for the denial to determine if your insurance provider wrongfully denied your coverage. If your insurance company’s reason for denying your claim does not match the facts of your case, your lawyer will help you request reconsideration.

If your insurer denies your claim again, your personal-injury attorney will help you file an appeal with the Texas Department of Insurance. Luke Dow will gather extensive evidence to strengthen your case so you can recover the compensation you deserve.

3 Common Reasons Why Car Insurance Companies Deny Claims

Your insurance company is a business; as such, it is in your provider’s best interests to deny or undervalue your claim. Insurance companies will look for any excuse they can to shortchange their policyholders.

Here are a few common reasons why insurance companies deny claims:

  1. Pre-Existing Injuries
You cannot recover compensation for an injury that existed before your car accident; however, you can claim compensation if the crash worsened an existing injury. If the insurance company denied your claim due to a pre-existing injury, your car wreck lawyer can gather medical documents and possibly use medical expert testimonies to fight the denial.
  1. You Did Not Pay Your Premiums
The insurance company may deny your claim if you have fallen behind on your premium payments. If this happened but you were actually up-to-date on your payments, your personal-injury lawyer can help you gather financial records to prove it.
  1. The Police Report Did Not Mention Complaints of Pain or Injuries at the Scene
Just because the police officer did not record details about your injuries does not mean that you were not hurt. Sometimes it takes several hours or even days for the symptoms of an injury to manifest. Your attorney can help you gather evidence to tie your injuries to the accident.

If your car insurance claim was denied in Texas, contact the Luke Dow Law Firm. Mr. Dow is a personal-injury attorney in Austin who will help you recover the highest possible compensation for lost wages, medical bills and other damages. Call 512-518-4104 today to schedule a consultation.


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