Reasons Why An Insurance Company May Deny Your Car Accident Claim

In a perfect world, the at-fault party’s insurance company would quickly compensate you for your injuries so you could move on with your life and cover expenses related to the car accident. But unfortunately, that rarely happens. In some cases, the company may not offer you any compensation at all. Why? Here are some of the many reasons why an insurance company may deny your car accident claim:
No Medical Documentation

The insurance adjuster will not believe that you are injured as a result of the car accident unless you have proof in the form of medical records. If you did not seek medical attentionafter an accident immediately after an accident, there’s no way to prove that the injuries exist and that they were sustained in the collision. Without this proof, the insurance company has no reason to compensate you.

Pre-Existing Conditions

Even if you have medical records that show your injuries, compensation is not guaranteed. One reason your claim may be denied even with medical records is because of a pre-existing condition. For instance, if you had a back injury prior to getting into the accident, the insurance company may argue that your back pain is due to the pre-existing condition and not the collision. If you can prove that the injury worsened because of the accident, then the insurance company should not deny your claim.

Terms of the Policy

Sometimes, a claim can be denied because of the terms of the insurance policy. For example, each policy includes information on how soon an accident must be reported. If the accident was not reported within the timeframe outlined in the policy, the insurance company can deny the claim.

The claim may also be denied if the at-fault driver stopped making insurance payments prior to the accident. If the policy was not in effect on the date of the accident, the company has no obligation to compensate you for your injuries. However, if the at-fault driver did not stop making payments until after the accident, the insurance company must cover the damages caused by the collision.

A denial is not the end of the legal road for car accident victims. An attorney may be able to help you in the event that your car accident claim has been denied.

If the at-fault party’s insurance company has denied your car accident claim, don’t give up hope. Instead, contact James Rush at Rush Injury Law today. Hiring a respected attorney like James Rush will let the insurance company know that you are serious about recovering compensation. To schedule a free consultation with our team, call 415-897-4801 or fill out the online form on our website www.rushinjurylaw.com today.