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Why Might a Car Insurance Company Deny My Claim in New York?

After suffering injuries in a New York car accident, you may be under the impression that you are guaranteed a substantial settlement from an insurance company. This settlement can help with things like medical expenses, missed wages, and a wide range of other potential damages. However, the truth is that settlements are denied on a fairly regular basis in New York. Even though you might feel like you deserve and need this financial compensation, an insurance company may refuse to provide you with a settlement. So, why does this happen, and what can you do to address this issue?

If you are dealing with a denied insurance claim in New York, get in touch with our car accident injury attorneys. Our legal professionals are well aware of how and why insurance claims are denied, and we can help you fight back against the insurance companies. After we figure out why your claim was denied, we can help you move forward and address the situation.

Inadequate Coverage

One reason your claim might be denied is that you do not have adequate coverage. In New York, minimum insurance coverage has limits. For example, you can only receive 80% of lost earnings from work; up to $2,000 per month for up to three years from the accident. To see the exact limits of your insurance policy, it is always important to read the fine print. If your damages exceed the limitations of your policy, your claim may be denied.

You Were Using the Car for Business Purposes

Many people do not realize that most insurance policies only cover drivers if they are using their vehicles for personal use. If you end up using your car mostly for business purposes (such as delivering items), your claim may be denied.

Lapsed Coverage

One of the most obvious reasons a claim may be denied is because the insurance coverage has lapsed. If you fail to renew your insurance coverage or your payments are way overdue, you likely will not be covered.

You Were Breaking the Law

In New York, your insurance claim may be denied if the insurance company can prove that you were breaking the law at the time of the accident. Specific examples include:

  • Driving while intoxicated

  • Committing a felony during the accident

  • Driving a stolen vehicle

You Failed to Report the Accident in Time

Insurance companies often have very clear regulations about reporting accidents. You need to report your accident as soon as possible. Wait too long, and the insurance company may deny your claim.

You Did Not Seek Medical Treatment Immediately

It is always important to seek the medical treatment you need as soon as possible. Not only is this a wise decision from a personal health perspective, but also in a legal context. It is difficult to take someone seriously if they fail to get medical treatment for months after the accident.

Enlist the Help of a Qualified Attorney Today

If you have been searching the New York area for a qualified, experienced car accident attorney, look no further than The Glassman Law Group. We have considerable experience with a wide range of car accident cases, and we know how important it is for injury victims to receive the settlements they need. Even if your claim has already been denied once, do not give up hope. Reach out, book your consultation, and we can help you take decisive legal action.


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