When you are injured and you file your personal injury claim, it is inevitable that you will end up talking to an insurance company representative. The aim of the talk is to figure out what happened and see what settlement is fair for your injuries when you were injured by a third party.
The problem is that dealing with insurance companies is not at all something that is simple to do. You are dealing with your recovery and it is difficult to have to discuss things with insurance adjusters at the same time. The stress of not knowing if you will be able to pay medical bills alone is enough to lead to countless mistakes.
Whenever an insurance company representing liable parties chooses to deny your claim, it is time to get in touch with Kiley Law Group personal injury attorneys as soon as possible. This is because you need someone in your corner that fully understands the law and your rights.
Insurance companies deny claims due to several possible reasons.
Not Believing Fault
The insurer might believe that the covered party was not at fault for the accident. This is basically an attempt to shift blame. Alternatively, the insurance adjuster might conclude that there was another party involved that holds the blame.
Your personal injury attorney will investigate what happened and bring it forth to prove liability. For instance, in car accidents, the attorney will talk to witnesses, analyze police reports, find expert witnesses, and check video footage to find evidence of what happened.
The attorney will also find it much simpler to access the information you will have a very tough time to get to. For instance, with truck accidents, attorneys can access logbooks. This shows how the truck driver spent his time and how much he drove.
Not Believing Limitations
Insurance companies sometimes dispute the limitations of the claimed injuries. More evidence might be required for establishing fault. Medical records and medical bills are not always enough. These documents should simply be considered as being the start. Also, the insurer will want to learn more about how the injuries affected your life. This is especially the case when analyzing the long-term prognosis for injuries.
Remember that the insurance adjuster will launch an investigation into your personal life. This is done in order to see if there were lies or exaggerations present. An identification of this can lead to claims being denied.
As a very simple example, insurance companies might take a look at your social media profiles. This is done to check if you were a part of some activities the accident injuries should prevent. Also, social media posts can often be taken out of context with the purpose of having evidence to deny the claim.
To sum up, insurance companies might decide to deny your personal injury claim because of countless different reasons. Those mentioned above are just some that we could highlight. The bottom line is that whenever your claim is denied, you need the help of personal injury attorneys. They are going to make your case much stronger and will guide you through the entire legal process.