What happens if your insurance provider rejects your claim for compensation following an accident?

Every vehicle insurance policy contains Section B benefits that may be used after an accident, regardless of who is at fault. However, there are several situations in which your insurance provider may reject your benefit claim. This blog post will explain why your insurance company can deny your claim and what you can do to fight back.

What are the advantages of Section B?

After a vehicle accident, your Section B benefits will pay for some of the costs connected with your medical care and disability compensation. You may read a detailed explanation of your Section B benefits in this blog car accident injury law firm article.

When can your insurance provider reject your Section B benefits request?

To claim your Section B payments, you must do so by some deadlines:

  • Within 30 days of the accident date, your insurance carrier must be notified of your automobile accident.
  • You must finish an AB-1 Form and send it to your insurance provider within 90 days after the accident to get your medical benefits.
  • To get your disability payment benefits, you must finish an AB-1A Form and submit it to your insurance provider within 90 days of the injury.
  • If you miss the dates above, your insurance provider may reject your claim for Section B benefits.

Additionally, the duration of your Section B compensation is just two years from the date of your auto accident. This means your insurance provider will reject any subsequent Section B benefit requests once the 2-year period has passed.

Additionally, you could be required to go to an Independent Medical Examination (IME) by your insurance provider. This will entail submitting to a medical examination conducted by car accident law firms an impartial, third-party medical expert who will assess your injuries’ severity and eligibility for ongoing payments. Your insurance provider can prevent you from getting your Section B benefits in the future if the IME doctor determines that you no longer need them.

When your insurance provider rejects your claim for Section B benefits, what can you do?

If an unfavourable IME report has terminated your Section B benefits, you may visit your treating physician and request that they write a rebuttal report. This report will be provided to your insurance provider as justification for your continuing eligibility for benefits.

The ability to register a complaint is an additional choice. Every insurance provider must have a formal complaint procedure that enables you to address your issue directly. To help best law firms for car accidents you resolve your conflict, you may also contact an impartial mediation agency.

After you’ve exhausted all other alternatives, you can also speak with a contract law expert attorney who can help you file a lawsuit against your insurance company for violating the terms of your insurance contract by erroneously terminating your Section B coverage.

However, speaking with an expert attorney as soon as possible after being hurt in a vehicle accident is one of the most excellent methods to prevent having your benefits claim rejected in the first place. A lawyer will be able to provide you with all the information you require to assist you in dealing with your insurance provider and ensure that you are immediately aware of your entitlement to benefits.