What Happens if the Insurance Company Denies Your Injury Claim?

Thursday, September 17, 2020

What Happens if the Insurance Company Denies Your Injury Claim?

Written by Malman Law, reviewed by Steve J. Malman.

Having your insurance claim denied can feel like the end of the world, but it is not. When you hire an experienced personal injury attorney, they can help you file an appeal and work to get you a higher settlement or court award. 

Drivers are required by law to have auto insurance coverage that pays for the losses of accident victims. When someone else causes a crash, and you suffer injuries and damages, you expect the liable driver’s insurer to cover your losses. However, what happens if you are shocked to find out that the insurance carrier has denied your claim? What do you do now? How will you pay for your post-accident bills? Now is the time to call an experienced personal injury attorney for help.

What Does it Mean if the Insurance Company Denied My Claim?

If you received a notice or a phone call from the claims adjuster telling you that your claim has been denied, it means they will not be paying anything on your claim. The insurance company has found some reason as to why your claim did not meet their standards for approval. If you do nothing about your denial, you will be the one paying for your damages. Before you give up, it is best to speak with an attorney who can help you appeal the denial.

Seek Legal Advice

You counted on the insurance company to do the right thing, and now you naturally feel betrayed.  What recourse do you have? Call an experienced personal injury. Your attorney will examine the circumstances surrounding your accident and claim, and the insurance company’s reason for your denial.  

In some cases, your denial may simply be due to a clerical error or additional information that the insurance company did not get from you in order to approve your claim. The denial might be an easy fix. Your personal injury attorney can help you resubmit your claim with the correct information. 

If your denial was not related to some type of error, your personal injury lawyer can help you file an appeal. Each insurance company has their own rules when it comes to appealing a claim, such as a deadline for when it must be submitted. Having an attorney on your side at this point will ensure that you meet the deadline and have provided the insurance company with the information they need to make a fair decision. 

Negotiations or Litigation

If the insurance company denies your claim on appeal or approves it but does not offer you a fair settlement, your attorney can file a lawsuit on your behalf. They may first try to negotiate a higher settlement, and if that doesn’t work or your claim is still denied, they can take the responsible driver and their insurance carrier to court to get them to pay fairly on your claim. 

A Personal Injury Attorney You Can Count On 

When you hire a personal injury attorney, they can work to hold an insurance company accountable for the losses that should be covered. Although insurance companies have perfected many tactics to pay you as little as possible, we aren’t afraid to stand up to them and show them when they are wrong. We will fight tirelessly for you to receive fair compensation for your injuries. You can schedule your free no-obligation claim review with the seasoned personal injury lawyers at Malman Law today. Call (312) 629-0099 or use our online contact form.