Ylla Gosney, Attorneys at Law can help if your car accident claim has been denied in Oklahoma City. If you’ve already dealt with the accident, your injuries, medical bills, and everything else that comes with it, getting a denial from the insurance company can feel like another setback. But a denied claim doesn’t mean you have to give up. Our Oklahoma City car accident lawyers can help you through it. Set up a free consultation today.
Why Would an Insurance Company Deny My Car Accident Claim?
This is the big question, and it’s also a big reason why people are so hesitant to deal with an insurance company in the first place. But the reality is that when you file a claim after a car accident, the insurance company has a lot of control over the process. That usually leads to lower settlement offers, but in certain situations, it might lead to an outright denial because of:
- Not enough evidence. This is one of the most common reasons. An adjuster might say the pictures don’t clearly show what happened, or that the statements from the people involved don’t line up. If there’s something they can question, the insurance company may use it to push back on your claim.
- You being partially at-fault. Insurance companies will often look for ways to shift some of the blame onto you. They might point to your speed, where you were driving, whether you were distracted, or something else they think contributed to the accident.
- Your injuries being “pre-existing”. This is another common tactic. The insurance company may go through your medical records looking for previous injuries or other medical history they can use to argue that your current injuries weren’t caused by the accident.
- Coverage issues or policy information. Sometimes the insurance company will argue that your claim isn’t covered under the policy or that some technical part of the policy prevents them from paying. These arguments can get complicated quickly, which makes it difficult to know whether what they’re telling you actually holds up.
The important thing is that the insurance company’s denial isn’t automatically the final answer. It’s their position on your claim. You can still push back.
What Can I Do If My Claim Gets Denied?
Once the insurance company denies your claim, things can get more difficult. But you still have options. Usually, this means doing two things:
- Renegotiating with the insurance company. You don’t necessarily have to accept the denial and walk away. Depending on the circumstances, you may be able to go back to the insurance company with additional medical records, photographs, witness statements, financial documentation, or anything else that addresses the reason they gave for denying your claim. There’s no guarantee they’ll change their mind. But it gives you another opportunity to make your case and show them why the denial doesn’t tell the whole story.
- Filing a lawsuit. Sometimes, the best option is to take the insurance company out of the driver’s seat and move the case into the legal system. It takes more time and effort, and it isn’t right for every situation. But it does open the door to the chance at getting fuller “damages” relating to your:
- Current and future medical expenses
- Lost wages or earning potential
- Repair or replacement costs for your car
- Pain and suffering
- Emotional distress
- Reduced quality of life
Again, the right approach depends on your particular situation. It takes looking at why your claim was denied in the first place, and how strong your evidence is. One way or the other, you don’t have to go through it alone.
Ylla Gosney Can Help After Your Car Accident Claim Is Denied in Oklahoma City
A car accident can create problems that don’t go away just because the insurance company says no. You’re still dealing with the injuries. The medical bills are still there. You might still be missing work. Your car might still need to be repaired. And now you’re trying to figure out how you’re supposed to fight with an insurance company on top of everything else.
That’s where our Oklahoma City car accident lawyers at Ylla Gosney, Attorneys at Law can help. When you turn to us, we will:
- Fill in any gaps in evidence. If the insurance company says you don’t have enough evidence, we’ll figure out what’s missing and what we can do to strengthen your claim.
- Get everything organized. Medical records, accident reports, photos, lost wages—everything needs to come together and tell a clear story about what happened and how the accident affected you.
- Handle the back-and-forth. Once your claim is denied, you don’t want to worry about saying the wrong thing or having your words taken out of context. We’ll handle those conversations with the insurance company so you don’t have to.
- Get a fair resolution. If the insurance company refuses to take your claim seriously or won’t offer a fair resolution, we’ll be ready to take the next step and take your case in court.
We also work on a contingency fee basis, so you don’t pay us anything upfront. Our fee comes from whatever result we help you get. Most importantly, we’ll keep you updated about where your case stands, what we’re doing, and what your options are. Reach out today to set up a free consultation.