What Should I Do If the Insurance Company Denies My Accident Claim?

What Should I Do If the Insurance Company Denies My Accident Claim?

When you are injured in an accident caused by another party, you may be entitled to compensation for your injuries and losses. In most cases, the liability insurance carrier for the responsible party is liable for the claim. Therefore, you must work with the insurance provider to receive your money. Examples of incidents that might be covered by a liability insurance policy include, but are not limited to:

  • Traffic accidents, including collisions involving pedestrians, bicyclists, cars, trucks, and motorcycles
  • Product liability claims for defective products
  • Dog attacks and dog bites
  • Nursing home abuse and neglect
  • Premises liability claims, such as swimming pool injuries, falls, slips, and trips
  • Boating accidents

If an insurance company denied your accident claim or refuse to pay full compensation for your claim, contact our Erie personal injury attorney for help. Our legal team has extensive experience dealing with insurance adjusters, investigators, and insurance defense attorneys. We can help you fight for the compensation you deserve after being injured in an accident.

Why Was My Accident Claim Denied?

Insurance companies do not make money by paying claims. Each claim they pay is money lost from their profit margin. Therefore, insurance providers search for ways to avoid paying accident claims, even legitimate accident claims.

Common reasons an insurance company may use for denying a personal injury claim include, but are not limited to:

  • The insurance policy does not cover the type of accident;
  • The insurance coverage lapsed for nonpayment or other reasons;
  • The accident did not cause your injuries; and,
  • The insurance policy does not cover the person responsible for your injuries.

In some cases, the reasons for denying an insurance claim may be valid. In other cases, the insurance company may be acting in bad faith. The company may request information or documentation that is not required to prove your claim to try to “wear you down” so that you accept a lower settlement amount. An adjuster may try to convince you that you were partially at fault and don’t qualify for full compensation.

What Should I Do If The Insurance Company Denies My Claim?

Always demand a written notice of the denial. The written notice should include a detailed reason why your accident claim is being denied. If the insurance company is offering a very small amount to settle the claim, demand an explanation of why the claim is only worth a small amount.

Contact our Erie personal injury attorney as soon as possible to discuss your claim. You can appeal a denial of insurance claim and fight for full compensation. However, your time to appeal a denial of claim and file a personal injury lawsuit is limited by law. It is best to contact an attorney as soon as possible so that you do not miss a deadline that could result in a legal reason for the insurance company to get out of paying a valid insurance claim.

Contact an Erie Personal Injury Lawyer for a Free Consultation

Don’t let an insurance adjuster push you around. Put our experience, skills, and resources to work for you.

Call The Travis Law Firm at (800) 401-2066 to schedule your free legal consultation with our Erie personal injury attorney.