There are no two ways to look at it—car accidents are incredibly expensive. From fixing your car and driving a rental for a few weeks to huge medical expenses, you could be looking at hundreds of thousands of dollars, especially if your injury has long-term consequences.
No matter whose fault the accident was, you would usually expect either your own insurance company or the other driver’s insurance company to cover most (if not all) of your bills related to the accident. Most people do not have the cash needed to cover even minor repairs and medical bills after an accident, so it is a shock to have an insurance claim denied.
Why Did My Claim Get Denied?
Insurance companies can be tricky to work with. They are businesses that are concerned with making a profit, so they are very careful to award as little as possible for accidents. They have their own adjusters and investigators that will find any and all holes in your claim in order to avoid paying unnecessary damages, so when claims do contain mistakes or suspicious information, the adjuster is sure to find it.
Despite the insurance companies being somewhat difficult, they are also a fairly predictable bunch. Nearly all claim denials can be boiled down to these three reasons:
- You did not seek treatment immediately after the accident, or medical records show that you did not suffer injuries. One of the biggest parts of an effective claim is proving that your accident directly caused a specific injury. If you wait too long to see your doctor after an accident, or the doctor noted that you were not injured, the insurance company sees this as a red flag.
- Your accident was easily avoidable. If your accident was caused by something you should not have been doing—such as drunk driving or reckless off-roading—the insurance company will argue that you were driving outside the scope of your coverage.
- You suffered from a preexisting condition before the accident. Insurance companies are notoriously tough on people with preexisting conditions. If your injuries from your accident are even moderately linked to a preexisting injury or condition, the insurance company may blame the majority of your injuries on the preexisting condition.
If the insurance company has denied your claim based on any of the above scenarios, a personal injury attorney can help you disprove these claims. The aggressive representation offered by Curry, Pearson & Wooten has helped injured people throughout Arizona collect the compensation that they deserve—call today to schedule a free consultation.