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:
- Claim filed too late
- Policy exclusions
- “Insufficient medical evidence”
- Pre-existing condition
- Disputed liability (they say it was your fault)
Step-by-Step: How to Respond
- Read the denial letter carefully — It should explain the reason for denial.
- Gather your evidence — Medical records, accident reports, photos, witness statements.
- Contact the adjuster — Ask for a detailed explanation in writing.
- File an appeal — Most insurance companies have an internal appeal process.
- Consult a personal injury lawyer — Especially if the claim is large or injuries are severe.
Tips to Strengthen Your Appeal:
- Ask your doctor for a detailed report
- Keep a pain journal
- Document your lost income
- 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.