What If Your Insurance Denies A Personal Injury Claim?

What happens when you are involved in a car accident or some other type of injury

and the insurance company that you file a claim with denies your claim. This means that you are stuck with all of the medical bills, repair bills and many other expenses that come from being injured and a lot of these expenses can go on for a very long time. If your insurance company denies your personal injury claim there may be a legitimate reason, but they may also have made a mistake in denying your claim and if you believe this to be the case you should contact a personal injury attorney right away.

Let's explore why an insurance company might deny your claim. The most common reason that an insurance company denies a claim like this is because it is not covered in the policy. This may be a very legitimate denial but it is not necessarily the end of the road. Depending upon the situation there may be legal loopholes that will allow you to collect regardless of the policy not necessarily covering that type of injury or accident. This is why an attorney knowledgeable about insurance and personal injury is so important.

Even if the insurance company in question has sent you a letter that offers a certain amount of compensation for the injury you should talk to an attorney before you accept it, because it will likely be much lower than the amount that they will be willing to pay. This is particularly true in the case of extensive injuries where the compensation amount is extremely high. The first offer you get from the insurance company will certainly not be the highest that they are willing to pay and you should get what is fair for the injury that you sustained.

What you should be aware of is that it is the job of the insurance claims adjustor to try to limit the liability of the insurance company, or to prove that the company has no liability at all. This is why you should never admit that an accident or injury is your fault when talking to an insurance claims adjustor or to the police. If the claims adjustor cannot prove that the injury was not covered by the policy, or cannot find another way to dismiss your claim they will make you an offer. Once again, this offer is usually lower than what they are truly willing to pay.

If you are denied a personal injury claim and you believe you were entitled to the compensation you need to contact a personal injury attorney right away. The law may limit the amount of time that you have to file a claim so contact an attorney right away. The office of Ledger & Associates has more than a decade of experience dealing with claims like these and you can consult with a professional free-of-charge to decide whether or not you should proceed with your case.

by: Mae Sta. Maria

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