What to Do If an Insurance Company Denies Your Claim

Discovering that an insurance company has denied your car accident claim can be disheartening, but it’s crucial to remember that this doesn’t mark the end of your pursuit for fair compensation. Before jumping to conclusions, it’s essential to understand the rationale behind such denials and the steps you can take in response.

Reasons Behind Claim Denial


Insurance companies operate with the motive to earn profits. As such, they aim to receive more from premiums than they disburse in claims. On occasion, this objective might lead them to deny valid claims, hoping the victim won’t contest the decision. Some common reasons for claim denials include:

  • Fault Misassignment: At times, the insurance company might wrongly determine that you were at fault due to an inaccurate police report, insufficient evidence, or misinterpretations of the accident events.
  • Injury Discrepancies: The insurer might argue that the injury wasn’t directly linked to the accident or was pre-existing. They might also claim that any delay in medical treatment could have exacerbated the injury.
  • Policy-Based Denials: Sometimes, the insurance company could refer to particular clauses in the policy as the basis for denying a claim.

Can Insurance Companies Resort to Deceptive Practices After Denying a Claim?

When an insurance company declines your car accident claim, it might be driven by a motive to minimize their payouts, sometimes even to the point of paying nothing. Be vigilant, as they may utilize various deceptive methods to evade the rightful compensation you deserve.

Such deceptive practices can encompass:

  • Stalling the Process: An insurer might prolong the claim process, hoping to exert financial strain on you, thereby pressuring you into making hasty decisions. An adept attorney will challenge such delays, urging the insurer to act within reasonable timeframes. If they remain unyielding, legal action might be on the horizon.
  • Presenting an Inadequate Offer: Insurance companies, even after recognizing their financial responsibility in a car accident, might present an enticingly quick but undervalued settlement. They bank on the possibility that beneficiaries, especially those facing financial hardships or unaware of their rights, might grab such offers without contesting them further.
  • Avoiding Genuine Negotiation: If you reject an insufficient offer, the next logical step would be negotiations. However, some insurers might shy away from sincere discussions. When confronted with such reluctance, your attorney might begin contemplating the feasibility of legal proceedings.

Experienced personal injury attorneys are well-acquainted with these deceptive practices of insurance firms. Armed with this knowledge and their skills, they will strategize and advocate fiercely, ensuring you get the justice and compensation you’re entitled to.

Role of an Attorney in the Claims Process

Given the complexity of insurance policies and the tactics some companies employ, having an attorney on your side can be advantageous. Lawyers can combat claim denials by:

  • Establishing Fault: They can secure additional evidence like video footage or eyewitness accounts to demonstrate that another party was at fault.
  • Proving Injury: Through medical records and comparative images, attorneys can effectively establish that the injuries claimed were indeed due to the accident.
  • Interpreting Policy Language: Lawyers are skilled in deciphering intricate insurance policy clauses, ensuring you are not wrongly denied your rightful compensation.

Steps to Reactivate Your Claim

Once you engage an attorney, they’ll likely begin by seeking clarity on the denial reasons. With this understanding, they can then amend and resubmit the claim. The re-submission will address any highlighted deficiencies, buttressed by any additional documentation or evidence that supports your case.

What Compensation Should Those Affected by Car Accidents Pursue?


The aftermath of a car accident can be a labyrinth of physical, emotional, and financial challenges. A personal injury attorney aims to thoroughly assess the extent of these challenges faced by their clients. The essence of this is to ensure victims obtain the restitution they justly deserve.

The scope of compensation your lawyer will target stems from the various adverse impacts of the accident, such as:

Physical and Emotional Trauma

Research indicates that traumatic incidents like car accidents can be precursors to conditions like post-traumatic stress disorder (PTSD). This underscores the multifaceted trauma – both physical and emotional – victims can undergo.

Possible compensation can encompass:

  • Pain resulting from injuries (immediate and prolonged)
  • Emotional turmoil
  • Mental distress
  • Manifestations of depression
  • Anxiety episodes
  • PTSD

Other psychological, emotional, or physical repercussions that manifest as trauma

Furthermore, it’s pivotal for your legal representation to pursue reimbursement for therapeutic interventions related to your trauma.

Medical Expenditures

The financial burden of medical expenses often tops the list of car accident repercussions. Your injuries’ nature, intensity, and the requisite medical interventions dictate these costs.

Victims might require diverse medical services, such as:

  • Immediate medical attention
  • Emergency interventions
  • Surgical procedures
  • Prescription medications
  • Extended hospital stays
  • Physiotherapy sessions

Given the indispensability and often exorbitant costs of medical care post-accident, obtaining comprehensive compensation is paramount.

Occupational Impacts

Post-accident, the professional lives of victims can undergo significant upheaval. The fallout can range from temporary hiatuses to irreversible career changes.

Compensation in this domain can cover:

  • Foregone wages
  • Diminished earning capabilities
  • Missed opportunities for bonuses or advancements
  • Stagnation in career growth
  • A void in job satisfaction or purpose

Evaluating these occupational impacts necessitates a nuanced understanding of both tangible and intangible losses, a task adept lawyers are equipped for.

Property Considerations

The ripple effects of a car accident often extend to tangible assets as well. This can lead to:

  • Vehicle repairs
  • Vehicle replacements if totaled
  • Restoration or substitution of personal belongings damaged in the accident
  • Interim transportation arrangements while awaiting vehicle repairs or replacements

The role of a seasoned attorney is to piece together the fractured aspects of your life post-accident, advocating tirelessly to ensure you receive the compensation needed to embark on the road to recovery.

The Necessity of Legal Representation


Although it’s not mandated by law to hire a lawyer after a car accident, it’s advisable, especially when facing claim denial. Pursuing claims can be demanding, both physically and mentally. The intricate negotiations, coupled with recovery demands, can be overwhelming for most individuals. A proficient attorney not only aids in alleviating this burden but often secures a more substantial compensation than one might achieve independently.

Closing Thoughts

Facing an insurance claim denial need not be the end of the road. Equipped with the right information and professional guidance, victims can navigate the complexities of the claims process. Given the time-sensitive nature of car accident claims, it’s prudent to swiftly consult with a personal injury attorney. They can offer invaluable insights, guiding victims on the best course of action for their unique circumstances.