Top Reasons Insurance Companies Deny Personal Injury Claims

Navigating the world of personal injury claims can be a tumultuous journey, fraught with complexities and unexpected roadblocks. One major hurdle personal injury claimants often face is having their claim denied by insurance companies. As heartbreaking as it sounds, it’s a common reality many individuals grapple with, often leaving them in a state of confusion and desperation. In this blog post, we’ll reveal the top excuses used by insurance companies in an attempt to deny or lower the value of personal injury claims. We hope to provide insight and guidance that can help you avoid insurance claim pitfalls.

So, whether you’re just starting your claim, or you’ve already enlisted the help of a personal injury lawyer, having this knowledge at your disposal is invaluable. Strap in as we unravel the often opaque world of insurance claims.

Call 317-881-2700 to Speak With an Injury Insurance Claim Attorney in Indianapolis
Call 317-881-2700 to Speak With an Injury Insurance Claim Attorney in Indianapolis

Why Do Injury Claims Get Denied By Insurance Companies?

Reason 1: Failure to Seek Prompt Medical Treatment

One of the most common reasons insurance companies deny personal injury claims is if there’s a gap between the date of the accident and when medical attention was sought. Insurance adjusters are trained to scrutinize every detail in an attempt to discredit your claim. If you wait too long before seeing a doctor, they’ll use this as an excuse to argue that your injuries weren’t a direct result of the accident. To avoid this, make sure to seek medical treatment as soon as possible after an accident, even if you don’t feel any immediate significant pain or discomfort.  Tell your doctors each and every body part that hurts and describer the type of pain to them.

Reason 2: Discrepancies in Medical Records

Another tactic used by insurance companies is to compare your medical records from your different providers. If there are any what appear to be discrepancies, they’ll use this to question the legitimacy of your claim. It’s important to be consistent when describing your injuries and symptoms to medical professionals, and to seek treatment from a reputable doctor or specialist.  It should be noted there are always “discrepancies” is treatment records as not all doctors and nurses use the exact same language when documenting a medical encounter and sometimes the medical providers simply make mistakes, especially when they are filling out a medical record hours after they saw the patient or for any other of several reasons.

Reason 3: Pre-Existing Injuries

Insurance companies often try to argue that your injuries were preexisting and not caused by the accident. They will request access to your medical history, looking for any previous injuries or conditions that could be used against you. It’s important to disclose any preexisting injuries or conditions to your doctor and personal injury attorney, as they can help document a case that proves your current injuries were exacerbated by the accident, even if you did have any pre-existing condition.

Reason 4: Lack of Evidence

Insurance companies are notorious for denying claims due to a lack of evidence. This is why it’s crucial to gather as much evidence as possible after an accident, including witness statements, photos, and police reports. Without solid evidence, insurance companies can argue that the accident didn’t occur or that your injuries were not as severe as you claim.

Reason 5: Failure to Follow Doctor’s Orders

If you fail to follow your doctor’s recommended treatment plan, insurance companies may use this as a reason to deny your claim. They may argue that your injuries were not as serious as you claim or that you didn’t take proper steps to recover. It’s important to follow all medical advice and document any missed appointments or treatments.

Reason 6: Lack of Legal Representation

Insurance companies know that individuals without legal representation are more likely to accept a lower settlement or give up on their claim altogether. Having an experienced personal injury lawyer by your side greatly increases your chances of success and helps to ensure that you receive the full compensation you deserve.

Reason 7: Statute of Limitations

Each state has its own statute of limitations for personal injury claims, which is the time limit within which a claim must be filed. If you miss this deadline, insurance companies can use it as a reason to deny your claim. It’s important to file your claim as soon as possible after an accident and be aware of the statute of limitations in your state.

Conclusion

While dealing with insurance companies may seem like an uphill battle, understanding their tactics and having a knowledgeable personal injury litigator on your side can make all the difference. By avoiding these common pitfalls, you can increase your chances of a successful claim and receive the compensation you deserve for your injuries. Don’t let insurance companies deny you justice – arm yourself with knowledge and seek professional legal assistance to help navigate this complex process.

Would you like to speak with a seasoned civil litigator who knows how to deal with stubborn insurance companies? Contact the law office of Craven, Hoover, and Blazek P.C. at 317-881-2700 to set up a free case evaluation with an experienced accident claim lawyer in Indianapolis, Indiana. We represent personal injury claimants all across the state, including Indiana residents injured in other states. No need to travel – we gladly provide the option to hold meetings by phone, at your residence, online, or at the hospital if necessary.

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How to Solve Insurance Disputes After Being Hurt in an Accident

After being injured in an accident that was not your fault, you have more than just the physical pain of injury to deal with, making it a serious and strenuous time in your life. So, when an insurance company doesn’t want to offer a fair settlement to cover medical expenses, hospital bills, lost wages, and similar damages, the back-and-forth negotiations can make you feel even more bleak and powerless.

Continue reading to learn more facts about insurance negotiations, and who to trust for legal advice regarding your rights to compensation after being hurt in an accident in Indiana.

Personal Injury Attorney Law Firm 317-881-2700
Personal Injury Attorney Law Firm 317-881-2700

Insurance Adjuster Negotiations

The process of negotiating with aggressive and stubborn insurance adjusters is incredibly challenging and sometimes misleading, which is why it should not be handled on your own. If you were seriously injured in an accident, the insurance company will most likely fail to deliver a full and fair settlement to cover your damages and losses so you should talk to a legal professional right away.  Keep in mind that insurance companies are businesses that exist to make money.  They do not exist to treat people fairly and compensate them fully.  You should hire your own attorney to represent your own interests right after you go to your fist doctor visit.

Hire an Accident Lawyer

To get the full and fair amount of compensation you deserve to to cover all of your losses, you need to hire a seasoned personal injury law firm to navigate and prosecute your case. We have the knowledge, experience, drive, and resources to professionally investigate and manage your accident case and fight the insurance company for the settlement you deserve. With extensive trial and litigation experience, your personal injury attorney will know exactly how to negotiate with insurance providers. This is a complex skill that takes years of practice and hands-on experience to master, so be sure to hire an accident lawyer that has the experience your case needs to be successful.

Insurance Negotiations

In the case of an accident in which another person or entity causes you injury, generally their insurance company would eventually be responsible for covering your related losses and damages. However, insurance companies are not happy about this, and they take measures and make arguments to avoid liability or pay out as little as possible. This is where a personal injury attorney will come into play. With some pressure and seasoned negotiating skills and obtaining the necessary evidence, your Indianapolis accident lawyer can recover the full amount of compensation you are rightfully owed.

Please Beware…

An important insurance company warning you need to always remember is to never offer a statement until you have spoken with your lawyer. Sometimes a seemingly innocent statement can be twisted by insurance companies and used in their favor in an attempt to escape financial liability. A good accident lawyer will protect you from being taken advantage in this way.

Indiana Personal Injury Lawyers You Can Trust

Call Craven, Hoover, and Blazek P.C. at 317-881-2700 to speak with a licensed Indiana personal injury lawyer about your recent accident claim trouble. Attorneys Daniel Craven, Ralph Hoover, and Keith Blazek are well-versed and experienced in insurance compensation law, and offer free initial consultations to discuss your case and determine the best strategies for your claim. To better accommodate your recovery, we never collect lawyer fees unless we obtain a settlement for you. Get started today by calling 317-881-2700 and scheduling your first consultation.

Personal Injury Law Firm Indiana
Personal Injury Law Firm 317-881-2700