When you expect a major event in your life, like a vacation or a wedding, you save money to make sure you can pay for it. But when you drive down Texas highways, you don’t expect another car to crash into you. But this major life event can leave also leave you with high bills.

To cover the cost of medical treatment you need from a car accident, you rely on your auto insurance. But even if you are not at fault, you may receive a denial for your claim. Here are a few reasons why insurance companies deny benefits:

  • Your claim is too high – All insurance policies have coverage limits. If your limit or the limit of the other driver is lower than your claim, the insurance company may deny it.
  • You waited to see a doctor – If you wait too long to see a doctor, the insurance company may not accept your claim. They assume that if you wait, the injuries the doctor finds may not be from the accident.
  • You waited to report the accident – If you don’t report the accident right away, you may have difficulty with a claim. You should always try to get a police report and notify your insurance as soon as possible after the crash.
  • They say you’re at fault – Your provider may try to say that you could have avoided the accident. They may not have enough information about the crash. Or they may hope you will stop pursuing your claim.

Getting a denied claim can be heartbreaking. You may not know how you will pay for your bills. But if your insurance company has made a mistake, or they don’t have enough information, you may be able to appeal the denial. If they continue to deny your benefits, you can also file a complaint with the Texas Department of Insurance or seek help from a personal injury attorney.

After a car accident, you rely on your insurance for your excessive bills. Receiving the benefits of an approved claim lets you move on with your life.