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Most Common Reasons Your Car Accident Insurance Claim Is Denied

Posted on : April 28, 2020

Why You Accident Claim Can Be Denied

Did you know that there are certain things that your insurance company can do that are within reason when handling your accident claim and others that could lead you to take further legal action against them? Knowing the difference can help you decipher as to when you should hire a lawyer. This can have a big impact on your life, so you should never wait to discuss your options with an experienced personal injury lawyer. 

 Contacting Your Insurance Carrier

Following your car accident, you may immediately contact your insurance carrier under the assumption that this contact will result in some financial relief that may help to defray any costs incurred due to your accident such as medical bills and lost wages. Unfortunately, things may not always go accordingly and this can be very frustrating to realize that your car insurance claim has been denied. After all, your insurance carrier is supposed to help you with these claims, that is why you pay such a high premium for car insurance.

Denied Insurance Claims

It is important to understand why the claim was denied as well as the next steps you should take if you believe that the insurance company has acted in bad faith. Contacting a knowledgeable insurance claims attorney may the first step towards uncovering negligent or inappropriate action on behalf of the insurance company. Some of the most common reasons for a car accident insurance claim denial include:

  • That there was no treatment or complaint at the time of the injury.
  • That medical records do not indicate pain or injury.
  • A pre-existing condition.
  • An avoidable accident.

Complexity Of Personal Injury Claims              

One of the complexities of handling a case like this is that you may not realize the full extent of your injuries at the scene of the accident. Therefore, the insurance company’s attempt to deny you for not receiving treatment at the time of the injury may be invalid. You may not have realized for example, that you had suffered a concussion until hours or days after you received initial medical treatment or were looked at on the site of the accident. Ensuring that you have an attorney who is fighting hard for your rights from the outset of the case is very important to recovering benefits and helping you move on with your life. 

Personal Injury Help

An insurance company denial may their best attempt to protect their bottom-line rather than your interests. If you believe that they have acted in bad faith or have made a mistake in the management of your claim, it is imperative that you try to contact an insurance claims defense attorney as soon as possible.




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