When Your Insurance Company Denies Your Personal Injury Claim
Personal Injury Claim and Insurance Companies
Insurance is supposed to provide a peace of mind to those who are injured, whether it is in a car accident, at a homeowner’s residence, a business, or in the event of a disability. Unfortunately, in some cases the insurance company will deny your personal injury claim.
If your claim is denied, you may find yourself confused and extremely stressed.
Reasons for Denial of Your Personal Injury Claim
It is important to understand some of the reasons why your claim would be denied:
There are certain types of injuries that may be excluded from insurance coverage, and they are usually hidden in fine print and will come as a surprise. Often a policy exclusion will be briefly and vaguely described in the policy.
Delay in Treatment
An insurance company may deny a claim if the injured party does not get immediate treatment or make a complaint right away after the injury has occurred.
It is important that when you submit the claim you enter all of the correct information or comply with all submission requirements. Even the simplest of mistakes can cause a complete denial of the claim from your insurance company.
Limited/No Medical Records
Without medical records, your insurance company is unable to claim that there was even injury at all. This could also happen with incomplete records.
Expiration or Lapse of Coverage
Policy holders may sometimes neglect to renew their policies, and may be under an assumption that there is automatic renewal without any action needed. In most cases, action is in fact needed to renew a policy, and you could be out of luck when it comes to getting your injuries or losses covered if your policy has expired.
Need Our Help with a Personal Injury Claim?
Every insurance company owes the insured person a duty to act in good faith. Denying a claim may breach this duty, along with failing to negotiate a settlement or investigate a claim. If your personal injury claim is denied, you should contact a Tucson Personal Injury Lawyer right away.
Seek legal representation for your claim by Thrush Law Group.