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When you file an insurance claim after a car accident, you expect the insurer to provide the payout you need to start moving forward. Facing a denied claim can be jarring and frustrating.
Understanding the reason behind denied car accident injury claims will help you determine your options moving forward. If the insurer denied your claim unfairly or unreasonably, you may have grounds to appeal the claim or take legal action for bad-faith practices.
Below are common reasons insurers cite when denying a claim. Always review your rejected auto injury claim with an attorney to determine whether you have any legal recourse.
You Did Not Seek Medical Attention Promptly
If you want the insurance company to pay for your medical treatment, you need to tie your injuries directly to the accident. Waiting months or even weeks to seek medical attention might make it challenging to prove that your injuries resulted from the crash and not some other cause.
The insurer may fault you for not seeking medical attention promptly, stating that they do not believe your injuries occurred in the accident. Your attorney can help you provide further evidence to prove your damages from the crash.
You Failed To Follow Your Doctor’s Instructions
You need to follow your doctor’s orders to improve your chances of fully and quickly recovering from a car accident. If your recovery is slower than anticipated, the insurance company might state that you violated your doctor’s orders. This is a common reason for denial of a car accident injury claim.
Your attorney can reference similar car accident cases to show that your recovery is on par with other victims who experienced the same injuries. They can also seek testimony from your medical provider to prove that you did follow their orders.
Your Injuries Are Due to a Pre-Existing Condition
Your insurance denial after the accident may have arisen from the insurer’s belief that your injuries were pre-existing. Perhaps you did have a pre-existing medical condition that led to your injuries being worse than they otherwise would have been. Or maybe you had no such condition, but the insurer questions the accurateness or completeness of your medical history.
Your attorney can help you appeal the personal injury coverage denial and provide further evidence tying your injuries to the accident.
You Were At Fault for the Accident
One of the more common reasons for denied car accident injury claims is that the insurer believes you were at fault for the accident. You would need to file the claim through your own insurance company rather than the other driver’s.
The insurer might blame you for the accident if you made an innocuous statement like “I’m sorry” or “I should have done ___” after the crash. They might even claim that your statements were inconsistent, proving that you were lying about the accident.
If your injury claim was not approved by the other driver’s insurer, let your attorney speak with them on your behalf. They can provide additional evidence to prove the other driver’s fault and show that you were in no way responsible for the accident.
Let Our Attorneys Appeal Your Denied Injury Claim
Denied car accident injury claims aren’t always easy to navigate on your own. You need an experienced attorney to help you navigate a car crash claim dispute and advocate for its validity.
At Bryan Garrett PLLC, we help Oklahoma car accident victims protect their rights and pursue full and fair compensation in accordance with the law. Allow us to help you appeal your denied claim and communicate with the insurer on your behalf while you focus on your recovery.
Call us today at 405-591-3508 to schedule a case evaluation.
FREQUENTLY ASKED QUESTIONS (FAQ):
Q1: Why might an insurance company deny my car accident injury claim?
A1: Insurers may deny claims if you delayed medical treatment, didn’t follow doctor’s orders, had pre-existing conditions, or were deemed at fault for the accident.
Q2: What should I do if my car accident injury claim is denied?
A2: Contact an experienced attorney. They can help you appeal the denial, gather evidence, and communicate with the insurance company on your behalf.
Q3: Can an attorney help if I made an apology at the accident scene?
A3: Yes. An attorney can clarify your statements and provide evidence to show you weren’t at fault, even if you apologized out of concern or shock.
