If you file an injury claim with your insurance company, regardless of whether you go at your own or the carrier of the other party’s insurance, there is always the chance that an insurance adjuster is going to contend that said policy doesn’t really cover your accident. The most common reasons for that are usually going to be that:
• The policy has lapsed,
• The nature of the overall location of the accident wasn’t really covered – this is usually when it comes down to homeowner’s policy
• The person who actually caused the accident isn’t really covered or;
• You are not qualified to make a third-party claim under your current no-fault provisions
With that said, if you go up against an adjuster’s contention, you should know that this doesn’t automatically end the settlement negotiations. Instead, this is something that you would have to negotiate as an additional element.
Thus, with this in mind, a lot of people find this particular situation very challenging and, quite frankly, rather stressful. Instead of panicking, though, make sure that you go ahead and ask for a written and thorough explanation regarding the reasons for which your coverage is being denied. If the adjuster fails to give you this, you should write a letter that confirms the conversation as well as the denial of the coverage and the refusal of the adjuster to put everything in writing. This is a letter which is likely to go ahead and pressure the adjuster to provide you with the information that you need because there is no way that an insurance claims supervisor is going to have a letter of the kind in the file.
With this said, it is important to understand that the insurance adjuster is going to pull the “lawyer’s letter” card. This means that he will explain to you that the coverage has been denied because company’s lawyers have refused to acknowledge the existing of said coverage for whatever reason. You should know that the opinion of a lawyer in this case is no more binding than the opinion of anyone else and this is not something that should steer you away from your case.
Instead, the most reasonable thing to go ahead and do is to get your own lawyer. Contact a reliable and reputed personal injury lawyer who is going to ensure that everything is handled properly. He is going to thoroughly investigate your case and identify the most appropriate pressure points. This is going to ensure that you get the compensation that you are entitled to. The lawyer will be well-aware of all the tricks that adjusters use to discontinue the case. That is going to help you get maximum claim compensation.
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