Why Did My Insurance Deny My Accident Claim?
If you’ve been in an accident and suffered a personal injury you may be disappointed to find that your insurance company won’t pay you the settlement you deserve. Insurance companies are for-profit corporations. They are focused on making the most money possible and are looking to pay out as little as possible, if at all. Many times insurance companies will try to argue the following to not pay your accident claim.- You Failed to File the Accident Claim in Time: In most states, there is a statute of limitations on filing a personal injury claim for damages caused by negligent or reckless acts. The statute of limitations varies by state but usually ranges from one year to four years after the date of injury. If an insurance company determines that your claim was filed too late, they can argue that it should be dismissed because it is too old or invalid under state law.
- You Could Have Avoided the Accident: Insurance companies will often argue that you could have avoided the accident. The truth is that it is impossible to avoid all accidents, and it isn’t completely your fault that an accident has occurred. You were not at fault for being involved in an accident, and should not be punished by paying out of pocket for any injuries sustained during the incident.
- You Have a Lack of Documentation: Your insurance company will ask for documentation of your injuries after your accident. This can sometimes be difficult to get. It can be hard to remember what happened right after the accident due to shock or trauma. If you don't have documents such as medical records, police reports, etc., then sometimes insurance companies will try to say that they cannot pay out your claim.