3 Reasons Your Car Insurance Claim Is Getting Denied After an Injury

3 Reasons Your Car Insurance Claim Is Getting Denied After an Injury

Insurance companies like to say they’re on your side, but anyone who’s dealt with them knows that’s accurate. An insurer’s ultimate concern is its profits, and it’ll look for any reason it can find to reduce your compensation or deny your claim.

While hiring an Atlanta car accident lawyer gives you your strongest opportunity to recover full compensation, you can also improve your likelihood of a successful claim by knowing why insurers commonly deny claims. Taking proper precautions can help you avoid a denial.

1. The Insurance Company Claims You Caused the Accident

Even if you know the other driver caused the crash, the insurance company might argue that you played a role. Georgia follows a modified comparative fault rule in car accident claims, which means you can’t recover any compensation if you’re 50 percent or more at fault for the accident. (See Section 51-12-33 of the Code of Georgia.) Insurers sometimes use vague or incomplete evidence, like a lack of witnesses or unclear photos, to shift blame onto you. They may even twist your words from a recorded statement to weaken your case.

2. They Say Your Injuries Aren’t Serious or Aren’t Accident-Related

It’s not unusual for insurance companies to question whether your injuries are legitimate or connected to an accident. If you waited too long to see a doctor or skipped follow-up appointments, they may claim your injuries aren’t serious. If you have a pre-existing condition, they might argue your pain was already there before the crash. They might even downplay clear injuries like whiplash or concussions if there’s no immediate diagnosis in your medical records.

3. There’s a Dispute Over Coverage or Policy Details

Sometimes, insurers deny claims because they say you have no valid coverage for the accident. This might happen if the driver who hit you didn’t have an active policy or the insurer claims the policyholder violated its terms, like failing to pay premiums or letting someone unauthorized drive the car. Your own insurance could also deny benefits (such as uninsured motorist coverage) if your coverage lapsed or the type of claim you filed isn’t included in your policy.

What to Do if an Insurer Denies Your Car Accident Claim

Don’t panic or give up if an insurance company denies your car accident claim. Start by reviewing the denial letter carefully, as the insurer must explain why they rejected your claim.

Next, gather all documents related to the accident, including the official crash report, your medical records, and any communication with the insurance company. It’s also smart to check your policy to confirm your coverage.

If something seems off, you can ask the insurer to reconsider its decision. You can also submit a formal appeal. As your case progresses, keep detailed notes of every conversation and document you send. If the insurer still won’t budge, you may need to contact a car accident attorney to protect your rights.

How Kaufman Injury Law Can Help if an Insurer Denies Your Claim

At Kaufman Injury Law, we know how frustrating it is when an insurer denies your car accident claim. We can step in to review your denial letter, examine the other driver’s insurance policy and your coverage, and gather evidence to challenge the insurer’s decision. We’ll collect your medical records, police reports, witness statements, and expert opinions to support your case. Furthermore, we’ll handle all communication with the insurance company so you don’t have to deal with their tactics or delays. If they still refuse to pay what you’re owed, we’ll be ready to file a lawsuit and fight for you in court.

Trust a car accident law firm with over 45 years of experience to defend your rights. Call Kaufman Injury Law now or complete our contact form for a free case evaluation.