You filed an insurance claim seeking fair compensation for your accident injuries. You may have expected some negotiation, but you didn’t expect that the insurance company would simply deny your claim.
Now, you have a choice to make. You can accept nothing for your injuries, or you can find out why your claim was denied, why to fight for a fair recovery, and how to get the compensation you deserve.
Common Reasons Insurance Claims are Denied
The insurance company is in business to make money. One way insurers maximize their profits is by paying out as little as possible in claims. Therefore, insurance adjusters are often looking for reasons to deny claims. Depending on the circumstances of your claim, the adjuster may try to deny your claim for one or more of the following reasons:
- You didn’t prove that the insured person caused your accident
- You didn’t prove that the accident caused your injuries
- The insurance policy is inapplicable to your claim because it doesn’t cover the person who caused the accident, the type of accident, or the location of your accident
The insurance adjuster is taking a chance that you will accept the denial and not take any further action.
Three Steps to Take If Your Insurance Claim Is Denied
You have the right to pursue a fair recovery even after the insurance company denies your claim. After your claim is denied, you may continue to fight for your recovery by:
- Asking the insurance company to provide the reasons for the denial in writing. This information will allow you to address the specific reasons your claim was denied. If the insurer refuses to provide you with a written explanation of your denial, your lawyer can draft a letter to send to the insurer that confirms your understanding of your conversations with the insurance adjuster.
- Appealing the insurance company’s denial. The insurance policy may have dispute resolution procedures that you must follow.
- Filing a personal injury lawsuit in court. The statute of limitations provides you with a limited amount of time to file a case. Therefore, you shouldn’t wait to take action if the insurance company delays getting you the information you request or acting on your appeal.
An experienced personal injury lawyer can take these steps for you so that you can concentrate on recovering from your injuries rather than the stress and work of pursuing a financial recovery.
Your Accident Recovery Is Worth Fighting For
Before you contact an attorney to pursue your personal injury claim, you deserve to know why you are making the effort. Your accident recovery may include compensation for past, current, and future:
- Medical expenses. These costs may include hospitalizations, surgeries, medications, doctors’ visits, physical therapy, other rehabilitation therapies, and assistive medical devices.
- Lost income. You may be unable to work at all or unable to work the same hours or for the same pay that you did before you got hurt. Your recovery should include compensation for all of your lost income.
- Out-of-pocket costs. You may incur property damage and other out-of-pocket expenses because of the accident.
- Pain and suffering. Your physical pain and emotional suffering may be some of your most significant damages.
Without an insurance settlement or court decision, you will incur all of these costs without compensation.
Our experienced Wisconsin, Illinois, and Iowa personal injury lawyers have been representing people hurt in Midwest accidents for more than 50 years. Insurance companies know that we mean business. If the insurance company is unwilling to provide a fair settlement, we won’t hesitate to go to court to protect our clients’ rights. Insurers don’t want to incur litigation expenses and face the uncertainty of a court verdict.
So far, we’ve helped more than 70,000 recover more than $1 billion in damages, and we’re not done yet. We invite you to contact us any time to schedule a free, no-obligation consultation in any of our 11 personal injury law offices located throughout Wisconsin, Iowa, and Illinois. Alternatively, we’d be happy to meet with you by phone or video conference or in your home or hospital room.