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Can insurance companies deny your personal injury claim?

On Behalf of | Jul 10, 2024 | Personal Injury

An insurance company’s role is to provide financial compensation for your losses in case of an accident. This includes covering medical expenses, property damage and other related costs. However, insurance companies sometimes deny claims, leaving policyholders frustrated and uncertain about their next steps.

5 potential reasons for your claim denial

Insurance companies may deny claims for several reasons. Understanding these reasons can help you avoid common pitfalls:

  • Insufficient evidence: Insufficient documentation or proof of the accident and injuries can result in denial.
  • Policy exclusions: Your policy may have specific exclusions that prevent coverage for unavoidable accidents or injuries.
  • Late filing: Failing to report the accident or file the claim within the specified period can result in denial.
  • Disputed liability: If the insurance company believes you were or are partly at fault, they might deny your claim.
  • Pre-existing conditions: The insurance company may deny your claim if they believe your injuries were pre-existing and not caused by the accident.

Knowing these potential reasons can help you prepare a more substantial claim.

Taking legal action against a denied claim

Do not panic if the insurance company denies your claim. You can take immediate action to protect your rights. Once the denial letter arrives, please review it carefully so that you can prepare for an appeal. Ensure that you have relevant documents that support your case. This includes medical records, accident reports and any contact with the insurance company.

With the proper legal guidance, you can fully understand your rights and increase your chances of receiving the compensation you deserve.