When you’ve suffered a personal injury, the last thing you want to deal with is an insurance company denying your claim. It can be a frustrating and disheartening experience, but it’s crucial not to give up or feel defeated. There are several steps that you can take if your personal injury claim is denied by an insurance company.
Firstly, it’s essential to understand why your claim was denied. The insurance company should provide a reason for their decision in writing. Common reasons include disputes over liability, insufficient evidence of injuries or damages, policy exclusions or limitations, late filing of the claim, or failure to seek prompt medical attention.
Once you have this information at hand, review your policy thoroughly and ensure that there’s no misunderstanding about its terms and conditions. If the denial was due to insufficient evidence of injuries or damages sustained, gather more substantial proof such as medical records detailing the extent of your injuries and their impact on your life.
If the issue lies within disputed liability – where the insurer argues that their policyholder did not cause the accident – then it might be necessary to collect additional evidence proving otherwise. This could involve obtaining witness statements, photographic evidence from the scene of incident or even expert testimony.
In some cases where late filing has led to denial, providing reasonable justification like delayed diagnosis might help overturn their decision; however this largely depends on specific circumstances surrounding each case.
It’s also beneficial to write a comprehensive appeal letter outlining why you believe their decision was incorrect along with any supporting documentation attached for reference. Be sure to keep copies for yourself too as they may prove useful later on in case further actions are required.
Should all these efforts fail in getting them reconsidering their stance then seeking legal advice becomes imperative. A lawyer specializing in personal injury claims will have knowledge and expertise needed navigating through complex world of insurance claims which often proves overwhelming for many individuals dealing with aftermaths of accidents causing personal injuries.
They can guide through the process, ensuring all paperwork is completed correctly and deadlines are met. They can also negotiate with the insurance company on your behalf, potentially securing a more favorable outcome.
Remember that an initial denial isn’t necessarily the final word. It’s just a step in the process. With patience, persistence, and possibly professional legal help, you may still be able to secure compensation for your personal injuries even after your claim has been denied by an insurance company.
Munley Law
510 Third Ave 2nd Floor, Pittsburgh, PA 15219
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