What Does Accident Insurance Cover?

What Does Accident Insurance Cover?

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What Does Accident Insurance Cover?

As the name implies, accident insurance typically covers expenses that arise due to an injury from an accident. This can include but is not limited to medical bills, hospital stays, and sometimes a fraction of lost income if the injury leads to time off work. Keep in mind that the specifics of the coverage can vary depending on the policy. To determine the exact expenses or damages you may be able to recover, it’s important to understand the terms of that particular insurance plan.

That said, we also understand that it can be challenging to figure out everything by yourself. That’s why we have a team of experts whose only job is to deal with insurance claims and determine whether an injured party may be entitled to compensation. If that’s what you need, please tell us about your case today. An accident insurance expert will review it for free.

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How it works

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Results may vary depending on your particular facts and legal circumstances.

  • Step 1

    your claim

    With a free case evaluation, submitting your case is easy with Morgan & Morgan.

  • Step 2

    We take

    Our dedicated team gets to work investigating your claim.

  • Step 3

    We fight
    for you

    If we take on the case, our team fights to get you the results you deserve.

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Get answers to commonly asked questions about our legal services and learn how we may assist you with your case.

  • Why Do Insurance Companies Deny Claims?

    Insurance is business. For this reason, some of these companies only care about profits than doing the right thing. Other times, it’s usually because the claimant made mistakes somewhere down the road while filing a claim. 

    To give you perspective, common causes of insurance claim denial include:

    • discrepancies or inaccuracies in the claim;
    • lack of evidence to support the claim;
    • the incident not being covered under the policy terms; 
    • the claim exceeding policy limits; 
    • suspicion of fraud; or 
    • if the policyholder failed to pay premiums, leading to a lapse in coverage.

    If you believe your insurance company was unjustified by denying your claim, we are more than willing to review your case for free. 

  • Can the Insurance Company Deny My Claim Without Any Reason?

    Insurance companies are legally required to provide a valid reason for denying a claim. They just can’t fail to compensate you without caring to explain why. Denying a claim without reason is against insurance regulations, warranting a bad faith insurance claim against the company involved.

  • What Can I Do to Increase the Chances of My Claim Being Approved?

    It’s important to ensure that all information provided is accurate and complete. Document everything related to the accident and your injuries, keep a detailed record of all medical treatments, and then contact us for a free case review. We’ll look into the details of the accidents and determine how best to approach your claim based on its unique circumstances.

  • How Can an Accident Insurance Lawyer Help?

    Once we’ve established that you have a viable claim and you hire an accident insurance attorney from our team, you can expect them to: 

    • help you understand your legal rights per the terms of your insurance policy;
    • ensure that your claim is properly filed;
    • gather important evidence to support the claim;
    • advocate on your behalf with the insurance company;
    • negotiate with the insurer for a favorable settlement; and 
    • represent you before the judge or jury if your case goes to court.  

    That's just an overview of how we might be able to help, but not a conclusive list, given that each case is unique.

  • What Damages Can I Recover If My Insurance Company Acted in Bad Faith?

    If your insurance company acted in bad faith, such as unjustly denying your claim or failing to investigate properly, you might be entitled to recover damages beyond the original claim amount. This can include compensation for the original loss, legal fees, and sometimes punitive damages.  

  • Contact Morgan and Morgan Accident Insurance Specialists

    Because we are America’s largest injury firm, insurance companies know we don’t play games when it comes to fighting for the rights of the injured. If your insurance company decides to play hardball, they’ll have to face us in court. It’s as simple as that. 

    Don’t wait —it only gives the other side an advantage. Contact us today to get started.

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