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Top reasons why insurance companies deny injury claims

On Behalf of | Jul 31, 2024 | Personal Injury

After being injured in a car accident, you need compensation to offset your losses, which may include lost wages, incurred and anticipated medical expenses, and expected rehabilitation costs. The first stop in your search for compensation is your insurance policy as well as that of the other driver. But all too often these injury claims are denied by insurance companies, leaving victims like you uncertain of their future and where to turn for help.

But don’t let this possibility scare you. By gaining a better understanding of why these injury claims are denied, you can better prepare your claim and thereby increase the chances of recovering the compensation you need. So, let’s look at some of those common reasons for claim denials and what you can do to better position your claim.

Top reasons why car accident injury claims are denied

The insurance company’s primary concern is making money. Therefore, they’re going to look for any possible way to justify a claim denial or to payout less than what you deserve. Here are some of the reasons they might rely upon when denying or underpaying your claim:

  • Lack of coverage: Insurance policies are meant to be specific so that it’s clear what’s covered and what isn’t. If the insurance company can find a way to say your accident and your injuries don’t fall under your policy’s coverage, then they’ll utilize that to deny your claim. They might also argue that there was a lapse in coverage due to non-payment of a premium, which can leave you without the financial resources you need.
  • Questions about fault: The cause of some accidents is straightforward, but others are more complicated. If your insurance company thinks that you were to blame for the accident, then they might deny your claim outright, or they might pay you less than what you thought you would get.
  • Late filing: Your insurance claim must be filed within a time that’s typically specified in your policy. Make sure you act quickly enough to meet that deadline, otherwise the insurance company might deny your claim without any further consideration of the facts or your circumstances.
  • Inadequate evidence: Your claim has to be backed up with strong evidence. If it’s unclear that your injuries were caused by your accident, or if your evidence doesn’t demonstrate who triggered the accident, then the insurance company is probably going to deny your claim. So, be diligent in gathering the evidence needed to prove causation and liability.
  • Lack of medical treatment: You need to secure medical treatment after your accident. If you don’t, then it’ll be too easy for the insurance company to argue that your injuries aren’t as severe as you claim them to be. Make sure you’re seeking the care you need and following treatment recommendations. That way you create a paper trail of the steps you took to care for your injuries.

Don’t miss out on the opportunity to recover the compensation you deserve

Your accident can reshape life as you know it. And if you’re unsuccessful in acquiring the compensation you need, then you’ll struggle to get by as you try to focus on recovering your physical and mental health.

So, before filing your claim or taking any formal legal action, be sure to thoroughly analyze the facts of your case, consider areas that may be vulnerable to attack, and gather the evidence that can effectively counter those weaknesses.

Hopefully then you can obtain the compensation you need to get back on your feet, secure financial stability, and reclaim your normal life.

 

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