The financial resources that you need after a car accident can be significant. You need that money to offset your medical bills, cover your lost wages, pay for future treatment and rehabilitation, and ease your pain and suffering. You might breathe a sigh of relief knowing that your and the other driver’s insurance companies might step in to help, but the truth is that insurance companies are looking for any possible excuse to deny a claim, thereby cutting you short on the funds that you need.
As deflating as that sounds, you can anticipate the insurance company’s arguments so that you can effectively counter them. Before you can do that, though, you have to know the insurance company’s strategies. So, let’s take a closer look at the reasons why insurance companies deny these sorts of claims so that you know what to expect moving forward.
Top reasons why insurance companies deny personal injury claims
There’s seemingly no end to the number of excuses that insurance companies deploy to try to deny claims. But here are some of the most common that you’ll need to be ready to address:
- You caused the accident: One of the easiest ways to deny your claim is to show that you were to blame for the accident in question. Therefore, before moving forward with your claim, you’ll want to assess the evidence to see how the insurance company is going to argue against you. That way you can develop a strategy to minimize or eliminate the power of that evidence.
- You delayed in seeking medical care: When you’re injured in a wreck, you should seek immediate medical attention. If you don’t, then the insurance company might use that fact against you to claim that you’re not as hurt as you claim or that your accident injuries were caused by some other event.
- The policy in question doesn’t cover your accident or your damages: Insurance policies are fraught with nuances, any one of which could jeopardize your claim. An insurance company might try to argue that a provision in a relevant policy doesn’t extend coverage to your set of circumstances, but don’t take them at their word. Instead, comb through the policies in question to figure out the best way to push back against the insurance company’s arguments.
- The claim is based on fraudulent representations: You want to be open and honest when filing your claim, but you’ll want to be careful that you don’t exaggerate or invent harm that’s been caused to you. After all, the insurance company will likely find out, and you could end up in legal trouble for lying. Not to mention, making misrepresentations in your claim will likely lead to claim denial.
- Your claim lacked evidence: This sounds obvious, but your claim needs to be supported by adequate evidence. If you don’t gather the records and statements you need to justify your claim, then the insurance company is going to be quick to deny it. So, be diligent in building your case, ensuring that it speaks to the required elements as strongly as possible.
Don’t get cheated by an insurance company in your personal injury case
You need financial resources and closure to move forward with your claim. To achieve the outcome that you want, you need to be ready to fight back against the insurance companies implicated in your case. With that in mind, now is the time to start thinking through every aspect of your personal injury case and how best to protect your interests.