Hudson Valley Personal Injury Attorneys Help with Denial of a No-Fault Claim Application after a New York Car Accident
When you’re in a car accident, you assume that the insurance you’ve paid for will support you when you actually need it. Sometimes, an insurer will deny payment of benefits based on a failure to follow small technical rules, or even for impermissible reasons, and this critical support doesn’t come. Insurers understand that the average individual isn’t familiar with the laws surrounding their rights to coverage in an accident, and they will take advantage of that fact. Learn more about why an insurer might deny your application for no-fault benefits after an accident, and what you can do if your claim is denied.
Common reasons that an insurer might deny your claim for no-fault benefits
The insurance company claims you reported your accident too late
Claimants for no-fault benefits have 30 days after an accident to submit written notice of the accident to the insurer. This written notice should be in the form of the application for no-fault benefits (sometimes referred to as an NF-2 form). However, if you have submitted another form of written notice, such as a letter and copy of the police report, and the insurer still claims that you missed the 30-day deadline because you did not submit an NF-2 form, your claim should not be barred on the basis of being delayed. A lawyer can help you prove to the insurer that you deserve to be paid on your claim.
Some accident victims delay filing a claim for benefits because they aren’t sure which insurance company should receive their request for benefits. The personal injury attorneys at Dupée & Monroe can help you determine where and how to file your claim, based on the circumstances of your accident.
The insurer claims you failed to respond to a request for additional information
If you submitted a claim within 30 days of your accident, the insurer may ask that you submit additional verification by a certain date to help them process your claim. The insurer may not, however, deny your claim based on your failure to respond to their request by the deadline they created. A knowledgeable attorney can help you respond to requests for more information so that your claim can be processed.
The insurance company tells you that you have exhausted your benefits
Most no-fault policies are capped at $50,000 in benefits for victims of an accident. However, you may have options for obtaining more benefits through an Additional Personal Injury Protection (APIP) policy. Speak with a lawyer about seeking additional compensation once the original insurance policy’s benefits have run out.
Get Legal Help with your No-Fault Claim in the Mid-Hudson Valley
At Dupée & Monroe, we are dedicated to helping accident victims receive the compensation they need and deserve after a serious crash. We will put our decades of experience pursuing claims on behalf of New York citizens injured in an accident to work in helping you get the care you need and full benefits you deserve. Contact Dupée & Monroe for help in seeking coverage under your no-fault insurance policy. For a no-cost consultation on your claim, call the Goshen offices of Dupée & Monroe at 845-294-8900.