Many people have high hopes when filing third-party car accident claims (claims against other insurance companies other than their own). However, there is always a chance that your third-party claim may be denied; here are some common reasons for such denials:

The At-Fault Party Has Immunity

Some individuals or organizations have immunity against car accident claims. Therefore, if the driver that caused the accident was such an individual or was driving for such an organization, they can legally deny your claim. The government is a classic example of a body that enjoys immunity against car accident claims. For example, if you were hit by a fire truck responding to a fire outbreak, your claim against the fire department may be denied.

The At-Fault Party Didn't Have Insurance

An insurance company will only pay claims against its clients if the client's policy is active and up-to-date. Therefore, if you are hit by a driver whose policy has lapsed or who is late with their premiums, then the driver's insurance company can easily deny your claims.

The At-Fault Party Was Excluded From the Policy

When you buy car insurance, you have the right to exclude some drivers from your car insurance policy. This is a good way of ensuring that dangerous drivers do not drive your car and cause accidents with it; it also helps to keep your auto insurance premiums low. For example, if you have a person with multiple DUI (driving under the influence) convictions in their driving history, it may be a good idea to exclude them from your policy. Unfortunately, if you are hit by such an excluded driver, the insurance company driving the car has the right to deny your claim because they don't cover the motorist.

You Delayed in Notifying the Insurance Company

If you are injured or your car is damaged in a car accident, you are expected to notify the other motorist's insurance carrier within a certain period. There is also the statute of limitations that dictates how long you have to instigate a car accident lawsuit. If you delay and the period elapses, then your claim can be dismissed without further ado.

The Insurance Company Believe Their Client Didn't Cause the Accident

Lastly, an insurance company can also deny your claim if it believes you are filing it in error and their client didn't cause the accident. Maybe it believes the accident was your fault or that a natural disaster, such an earth movement, was the cause of the accident.

An Auto Accident Attorney Can Help

If an insurance company is denying your claim for any reason, an auto accident attorney can help you argue your case. Your attorney can bring a personal injury lawsuit against either the insurance company or against the driver to help you get the compensation you deserve. For help getting your claim approved, consult with an auto accident attorney.