Reasons Why Your Personal Injury Claim Could Be Denied
When you are injured because of another party’s negligence, recklessness, or carelessness, California’s personal injury laws provide a way for you to seek reimbursement for your damages. By filing a personal injury claim against the responsible party, you can recover compensation for a variety of damages including:
- Medical bills
- Loss of income
- Property damage
- Emotional stress
- Permanent disability
- Physical pain
- Scarring and disfigurement
- Out-of-pocket expenses related to the accident, injury, or your recovery
The first step in recovering money for your injuries is to file a claim. Our Fresno accident attorneys understand that the days and weeks following an accident can be extremely stressful. However, you need to take steps to ensure that you protect your right to file a claim. Our lawyers can help you by taking the stress of filing a claim away from you so that you can focus on doctor’s appointments, arranging transportation, and dealing with work.
Call (888) 859-4434 for a free legal consultation with a Fresno injury lawyer.
Common Reasons for a Denial
Insurance companies search for any reason they can find to deny your claim. Understanding the common reasons for a claim denial can help you avoid potential problems.
Delay in Medical Treatment
Seeking medical treatment immediately after an accident is important for your health and for your claim. The insurance company will have its professional review your medical records to verify your injuries. A delay in treatment could be viewed negatively by the company. The adjuster may argue that you were not as severely injured in the accident or that your injuries are not caused by the accident if you wait weeks to see a doctor.
To receive compensation for your claim, the person must have a valid insurance policy that covers the incident that caused your injury. In some cases, the insurance company may have a valid reason for denying your claim for no coverage. However, you should not accept this reason without speaking with our attorneys. The company may be trying to bend, expand, or constrict language to make it appear as if the incident was not covered by the policy.
Failing to File Before the Deadline
You must file your claim before the expiration of the statute of limitations. The time to file a lawsuit for injuries is limited. In some cases, you may also be required to file a notice of claim in a very short period after your accident (30 to 180 days). Failing to file a required notice or a lawsuit before the expiration of the deadline set by law results in an automatic dismissal.
Errors in the Claim
Even a simple mistaken on a claim form can result in the claim being denied. Again, insurance companies want to deny claims, therefore, they will seize any reasons to deny your claim. You must submit an error free, complete claim with all requested documentation attached for your claim to be considered.
When to Seek Help from an Attorney
Being notified that your accident claim is denied can feel like the end of the world. However, all hope is not lost. Our attorneys may be able to appeal your denial or file a lawsuit to protect your right to recover compensation for your injuries.
For a free consultation with a Fresno personal injury laywer,call Torem & Associates at (888) 859-4434or use the contact form on our website to contact our office.