Being injured is stressful enough — but having your injury claim denied by an insurance company can feel like a second hit. Don’t panic. You have legal options, and acting quickly can make a big difference.
Common Reasons for Denial:
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Claim filed too late
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Policy exclusions
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“Insufficient medical evidence”
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Pre-existing condition
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Disputed liability (they say it was your fault)
Step-by-Step: How to Respond
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Read the denial letter carefully — It should explain the reason for denial.
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Gather your evidence — Medical records, accident reports, photos, witness statements.
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Contact the adjuster — Ask for a detailed explanation in writing.
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File an appeal — Most insurance companies have an internal appeal process.
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Consult a personal injury lawyer — Especially if the claim is large or injuries are severe.
Tips to Strengthen Your Appeal:
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Ask your doctor for a detailed report
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Keep a pain journal
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Document your lost income
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Avoid giving recorded statements to insurers without legal advice
When to File a Lawsuit:
If all else fails, your attorney can sue the at-fault party or the insurer directly. In some cases, bad faith insurance claims can lead to extra compensation.
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