Car Accidents & Injuries

Insurance companies have a duty to act in good faith. When the insurance company unlawfully denies your claim, it has failed to live up to this duty, and you have a right to be compensated. If you believe the insurance company has incorrectly denied your claim, one of the experienced car accident attorneys at Reich & Binstock can help you obtain the compensation you deserve.

Common Causes Of Car Accidents

Distracted Driving

Automobile accidents often happen because a driver is distracted or is not paying attention while having a cellphone conversation or while attempting to send a text message. Electronic devices and the ability to text, email and download music on the go substantially contribute to the distraction. Distraction "latency" lasts an average of 27 seconds, indicating that even after drivers put down the phone or stop using with the navigation system, they still may not be fully engaged and focused on driving.

Texting and driving is now banned in 45 states. Of the four states without an all-driver texting ban, two prohibit text messaging by novice drivers and one restricts school bus drivers from texting. While this is a good start, we must all be diligent in making sure we are focused on the road as both drivers and passengers.

Impaired Driving

Other accidents are caused because a driver is impaired. Impaired drivers are unable to exercise the caution and reaction skills necessary to drive safely. Alcohol plays a role in more than 17,000 car accident fatalities each year in the United States. Alcohol is involved in almost 40 percent of fatal accidents and in 7 percent of all accidents.

Speeding

Speeding or traveling at higher speeds than road conditions allow decreases the reaction time that a driver has in the event of an unexpected road obstruction or the unforeseen actions of other drivers.

Weather

Car accidents are often caused by bad weather such as rain. Water makes the roads slick and often leads to cars spinning out of control or skidding.

Violating Traffic Laws

Running red lights or stop signs is a common cause of accidents. Many rollover accidents are a result of drivers running red lights or running stop signs.

Why Insurance Companies Deny Claims And How We Can Help

Anyone who has ever been injured in a car accident knows just how difficult the claims process can be. Insurance companies are often looking for the cheapest way out and can undervalue or deny claims for which accident victims are entitled to be compensated. The most common reasons why an insurance claim might be denied include:

  • Fault: Your claim may be denied if the accident was a result of unlawful or irresponsible conduct such as driving without paying attention, driving under the influence or stunt driving.
  • Failure to comply with treatment: An insurance company may deny your claim if you claim an injury but do not seek treatment or comply with a treatment plan.
  • Lapsed policy: Failure to pay the premiums on a policy can lead the policy to lapse which can, in turn, lead the insurance company to claim that no coverage existed at the time of the accident.
  • Failure to notify: If you did not notify the insurance company of the accident within a reasonable amount of time after the accident occurred, the insurance company may deny your claim.

Contact Our Firm Today

If you or a loved one has been seriously injured in a car accident, contact an auto accident attorney at Reich & Binstock today for a free consultation. Either use our online contact form or call us at 713-352-7883 or 877-643-3099 toll free.