Insurance Company Refuses to Pay My Accident Claim, What Can I Do?

car accident claim denied
Winstein, Kavensky & Cunningham LLC Blog April 9, 2021

Insurance Company Refuses to Pay My Accident Claim, What Can I Do?

Suffering an injury and the destruction of your vehicle after a car wreck in the Quad Cities area will throw your life off course. Not only are you without a mode of transportation, but you may also be without an income because of slow healing injuries. To make matters worse, you could find out that your insurance company refuses to pay compensation for your car accident claim.

It’s an unfortunate tale that our legal team has heard all too often from injury victims. It’s also disheartening to witness their fear as they struggle to determine how to pay for medical bills, cover household expenses, and fix their vehicle.

If an insurance company denies your claim and tries to put its own profit over your personal needs, it’s time to fight back. Contact Winstein, Kavensky & Cunningham today for a free consultation. Our experienced accident injury legal team wants to help alleviate your fears by evaluating your insurance claim, finding answers, and providing options that may include obtaining financial compensation.

Why Was My Quad Cities Car Accident Claim Denied?

There are many reasons why an insurance claim gets denied. It could be that some insurance adjusters are trained and encouraged to find a reason to deny a legitimate personal injury protection claim, which the company would then have breached its contract and can be held liable.

Another possible reason your claim was denied could be that you need to provide more evidence to prove fault and designate who is responsible for any damages. Read on to find more in-depth reasons why your claim may have been denied.

Insufficient Coverage

As previously mentioned, if it’s unclear who was at fault in the accident and both your insurance policy and the other party involved does not have enough coverage, your claim can be denied. For example, a minimum liability policy may not provide enough coverage if there is significant property damage, catastrophic injuries, or death.

Your Injuries Were Diagnosed Too Late

Delaying a medical exam after a car accident is not good for two reasons. First, adrenaline may mask your injuries. If you decide against prompt medical attention you could later develop health complications and a disability. We urge you to see a doctor as soon as possible so that temporarily hidden injuries receive prompt detection and treatment.

Secondly, when you file a personal injury protection claim, you need to provide as much supportive documentation as possible. When you don’t seek immediate medical attention after an accident, there’s no proof that your injuries were the result of the accident and not some other incident.

Questionable Fault after an Accident

Proving liability after a car accident is crucial to obtaining financial compensation. If you don’t provide enough documented evidence, one or more insurance companies may not agree on who is liable for causing an accident. Then, your injury claim may be denied.

To avoid an insurance company denial after a multi-car crash, you need to prove fault to show that you did not cause or contribute to the accident through comparative negligence.

What to Do After an Insurance Claim Denial

To start, take a deep breath to try and calm your nerves and your ability to think clearly. We do understand and empathize that a denied car accident claim can create feelings of anxiety and fear. We also know that some insurance companies may play on these emotions to get you to say or do something that may provide further reason to deny your claim.

That is why one of the most important things you can do after a denial is to not accept the first “no” that you receive. Instead, contact the insurance company and make it clear that you’re going to fight back.

You’ll do this by asking for a detailed explanation of why your claim was denied. Next, you’ll find a trusted Quad Cities personal injury attorney to carefully review any further denial letters to help clarify exactly why the insurance company denied your claim. Then, you’ll have more of a fighting chance to develop a legal strategy that an insurance company will find hard to refute.

Why Choose Winstein, Kavensky & Cunningham?

Deciding to hire a lawyer is a big decision. You want one with a proven record of success and experience in handling your type of accident claim. At Winstein, Kavensky & Cunningham, you get a law firm that is one of the oldest and most prestigious in the Quad Cities and surrounding communities. In fact, we have represented the legal interests of personal injury clients throughout Rock Island, Henry, Mercer, Whiteside, and Knox counties in Illinois and Scott County in Iowa for more than 50 years.

When you call us, the first thing we’ll do is arrange your no obligation, complimentary case review.  Should you decide to hire us, you won’t have to worry about paying us a cent unless we make a financial recovery on your behalf.

We know that money can’t eliminate a debilitating injury or the loss of a loved one after a car, truck, or motorcycle accident. However, we do believe that it can make a difference in helping accident victims and their loved ones move forward with their lives. That’s why our team is prepared to fight on your behalf to make sure that you get the settlement you need to include coverage for medical bills, lost wages, pain and suffering, and in cases of wrongful death, funeral expenses.

If you’ve had your Quad Cities car accident claim denied, contact Winstein, Kavensky & Cunningham for free today by calling (309) 794-1515. You can also connect online by using our LiveChat service, or by filling out a free consultation review contact form.

The information on this blog is for general information purposes only. Nothing herein should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.