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Insurance Company Denial Of A Personal Injury Claim- Why And What Next?

Insurance Company Denial of a Personal Injury Claim- Why and What Next?You were recently involved in an accident and sustained injuries. Following the accident, you followed proper procedure, did everything you are supposed to do including reporting the accident to your insurance company. However, during the recovery from your injuries, you get a call from the insurance provider saying that your personal injury claim was denied. But, why? What do you do next?

Missed Payments


It is very important that you stay on top of all your payments and be sure to pay all monthly premiums to your insurance provider on time- every time. If not, then you may find that your coverage had been terminated or there was a lapse.

If you had recently switched insurance companies, it is also important to make sure that there is no gap between when your old coverage ends, and the new coverage begins. If you were involved in the accident during this period of transfer between companies, then you may find that you did not have coverage. Therefore, your personal injury claim will be quickly denied.

Policy Exclusion


Some insurance providers actually exclude certain types of injuries from their policies and often these exclusions can be found in the fine print on the contract and other documents. Be sure to look over all documents closely and carefully before signing them to ensure that there is not something in the fine print that you may have skimmed over or missed completely.

It is also always in your best interest to have an experienced attorney go over the documents with you because they will be able to explain the terminology better and help you better understand the contract and what is and isn’t covered under the policy you have selected.

Incomplete Claim


Sometimes when a claim is submitted in a hurry- such as immediately following an accident- some information may be entered incorrectly or not at all. If you fail to comply with the required submission, then this mistake can cost you the claim.

If you are faced with a claim denial and think it was done in error, then make sure you conduct a thorough investigation into the reason for the denial, and you may find that someone on the insurance company’s end may have entered wrong information.

What to do After Denial


If you are faced with an insurance claim denial for the injuries sustained after your accident, then take another look at your insurance policy to ensure there are no exclusions and then ask the insurance company for a valid and detailed explanation as to why the claim was denied.

Sometimes dealing with the insurance companies may be a bit too much to handle on your own. In that case, a personal injury attorney will be able to offer a consultation and can then help explain whether or not you have a valid and strong case against the insurance company for the denial.

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Attorney David L Goldman

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