After a serious accident, you’re probably relying on your insurance claim to help you support your family and pay your medical bills until you can return to work. Unfortunately, even if you are clearly entitled to an insurance settlement, it’s possible that your insurance company will find a reason to deny your claim.
Insurance companies are intent on limiting their payouts as much as possible, which means they will do everything they can to find a reason to get out of giving you the compensation you need and deserve. Discover some of the top ways an insurance company will try to undercut your injury claim after you’ve been hurt in a major accident.
Blaming You for Your Accident
Depending on the type of accident you’ve suffered and the state in which you live, a determining factor in receiving your insurance claim will be who was at fault in the accident. Even if the fault is clear in your accident, the insurance company may still try to claim you were partly responsible for your injury in an effort to limit or deny your claim.
When dealing with your insurance company, it’s important that you concretely prove that you were not at fault in your case, as this will help to prevent them denying your claim so that you can get the compensation you need.
Insisting on More Evidence
Before an insurance company approves a claim, they generally will examine all of the evidence related to your case, and in an effort to reject your claim, it’s possible the insurer will say that you have not provided them with sufficient proof of your accident and injury.
Lack of evidence is one of the most common tactics that insurance companies use to deny rightful injury claims, which means you need to be sure your evidence is plentiful when filing your claim. Items like police reports, medical records, and witness accounts can help you prove your case and eliminate the possibility of a rejection.
Denying Your Medical Condition
Lastly, most insurers will want proof of your medical condition before giving you your compensation, and may even request that you undergo an examination from one of their doctors. The danger is that the insurance company doctor will minimize the extent of your injuries so that the insurer will not have to pay as large of a payout.
If the insurance company insists on a medical examination, then you need to be sure that the doctor who performs the exam is independent of the insurer. This will make sure that the results of your exam are fair and that your claim will be preserved.
Get Help with Your Injury Claim
Because insurance companies are so large, they often have legal teams at their disposal to help them fight claims and limit their payments, which means you need a legal professional in your corner. To get help fighting for your injury claim, you should work with the knowledgeable personal injury attorneys at The Law Offices of Peter N. Davis and Associates, LLP.
We have experience dealing with the dirty tactics of insurance companies and we can help you get the compensation you need.