What Happens if My Injury Claim is Denied by the Insurance Company?

Insurance companies use a variety of methods and reasons in order to deny an injury claim, especially if the firm is the one that insured the other person.

This can be quite frustrating because of the difficult circumstances that a predicament like this places you in. Being in an accident that wrecks your car and causes you physical harm is strenuous enough and an additional mental burden of a denied injury claim can be a little too much sometimes.

There are a number of factors that you have to look into in case an issue like this arises. Although it is advisable to consult an attorney even before you file the claim, if you haven’t this is one of the most appropriate ways forward once the claim has been turned down. Before we look into the available options that a person has if the injury claim is turned out, we would like to briefly hint upon the reasons that cause a possible denial from the insurance firm.

1. Disputed Liability: This is where the insurance company claims that their client, i.e. the other driver was not at fault or to put it more simply they feel that you were responsible for the crash.
2. Failure to get treatment in time: This can be another possible objection that an insurance company can raise. It is valid if you indeed delayed getting medical treatment for your injuries.
3. Lapsed Policy: If the other party has not paid the premiums on time there is a chance that their respective insurance policy has lapsed and therefore the insurance company can deny the claim against it.
4. Policy exclusions: There are a number of underlying clauses that are part of an insurance policy. One of them is a list of cases that are excluded from coverage. If your claim falls under any of these categories it is possible that it won’t be processed further.

These are just some of the reasons why an injury claim might be rejected and these are also factors that should make you consider enlisting the services of an attorney beforehand. These professionals can use their relevant expertise to draft a claim that is less likely to be turned down. However, all is not lost as you can still consult a personal injury attorney to proceed further. Here are some of the options that are still available:

Formal Appeals Process

Most insurance providers have a process that allows the aggrieved party to file an appeal against the rejection of the claim. This gives you an opportunity to present your case in further detail. Most firms provide a reason for turning down the claim in the first place which means that in the appeal you can address that specific issue more elaborately.

Filing a lawsuit

This is the last ditch effort and should be done after a proper consultation with a relevant personal attorney. If you feel the insurance company is acting in bad faith, the law has certain sections that empower you to file a lawsuit against them for denying you your right.

If you’ve had your injury claim turned down and are exploring your options but are hit by frustration that is making decision making hazy, get in touch with a personal injury guru today!

Related Content:

Insurance Claim Denials Lawyers in San Diego
Insurance Bad Faith Lawyers in San Diego

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PersonalInjuryLaw.Guru Staff