What Should You Do If The At-fault Party’s Insurance Company Denies Your Personal Injury Claim?
After suffering injuries in Florida in an accident because of another party’s fault, you might think that recovering compensation will be easy. But the reality is that the process of recovering compensation after filing a personal injury claim against an at-fault party’s insurance company can be quite complicated. This is especially true if yours is an expensive personal injury case. If the at-fault party owes you a substantial amount of money, their insurance company is bound to give you a difficult time.
After filing a personal injury claim, you may be shocked to learn that your claim has been denied. Fortunately, if your claim is denied by an insurance company, it does not automatically mean you cannot recover damages. However, whether or not you recover compensation after your injury claim is denied depends on what you do after being notified of the denial.
Read on to learn what to do if your claim is denied by an at-fault party’s insurance company.
Reasons Why an Insurance Company May Deny Your Personal Injury Claim
Insurance companies are just like any other businesses. Their main goal is to make profits. Insurance companies will always look for reasons to pay personal injury victims as little money as possible or deny claims to ensure they make enough profits. Usually, an insurance company will deny a personal injury victim’s claim with the hope that they (the victim) won’t do anything.
The following are some of the common reasons an insurance company would deny a personal injury claim;
- Pre-existing injury
- The claimed losses exceed the at-fault party’s policy limits
- The accident was preventable, or the plaintiff was at-fault for the accident
- Plaintiff failed to seek prompt medical care/Plaintiff failed to mitigate their injuries
- The claim is incorrect or incomplete
Although insurance companies sometimes deny personal injury claims for legitimate reasons, the truth is that insurance companies often unjustly deny personal injury claims.
Steps To Take if the At-fault Party’s Insurance Company Denies Your Personal Injury Claim
If the at-fault party’s insurance company denies your personal injury claim, it does not automatically mean you cannot recover the damages you are owed. Nevertheless, whether or not you recover the compensation you are owed after the at-fault party’s insurance company denies your claim depends on the steps you take after learning about the denial.
So, what steps should you take after the at-fault party’s insurance company denies your injury claim? After the at-fault party’s insurance company denies your injury claim, retain an attorney if you still haven’t done so. An attorney can help you review the reasons for the denial and respond to the insurance company with evidence refuting the grounds for the denial. They can help you with the appeals process. Additionally, an attorney can help you file a lawsuit if there is evidence the insurance company denied your claim in bad faith.
Contact Us for Legal Help
If you sustained severe injuries due to an accident that was someone else’s fault, our West Palm Beach personal injury attorneys at The Pendas Law Firm can fight for you. In the event the at-fault party’s insurance company denies your claim, we can help you respond, appeal, or file a lawsuit. Contact us today to schedule a consultation.
The Pendas Law Firm also represents clients in the Fort Myers, Orlando, Fort Lauderdale, Ocala, Miami, Bradenton, Tampa, Jacksonville, and Daytona Beach areas.
