Ylla Gosney, Attorneys at Law can help you if your car accident claim is denied in Tulsa. If your car accident claim has been denied by an insurance company, it can feel like you’ve hit another wall after everything you’ve already been through. We can help you push back and move forward. Set up a free consultation today.
Why Would an Insurance Company Deny My Car Accident Claim?
Getting into a car accident is already stressful enough. You’re dealing with your injuries, figuring out how you’re going to get your car fixed, missing work, and trying to get back to normal. Then the insurance company denies your claim. It’s frustrating, but it’s something that happens for a variety of different reasons, like:
- They say there isn’t enough evidence. This is one of the most common initial reasons, where an adjuster says they don’t think the pictures clearly show what happened, or they think the statements from the people involved don’t match up. If there’s something they can question, the insurance company usually tries to use it to push back on your claim.
- They say you were partly 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 led up to the accident that wasn’t totally their driver’s fault.
- They question your injuries. This is another common move, where they look through your medical records for previous injuries or other medical history they can use to argue that your current injuries weren’t actually caused by the accident.
- They point to the insurance policy. Sometimes the insurance company will argue that something about your claim isn’t covered under the policy. These arguments can get technical quickly, which can make it difficult to know whether their explanation 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 Use to Help My Case After My Claim Is Denied?
One thing people sometimes misunderstand about insurance claims is that once the company denies you, the door is closed. That’s not necessarily true.
No matter what reason they give, you have the option of going back to them. Better yet, if they give you a certain reason for the denial, that points you in the direction of what you can use. That usually means providing:
- More information from your doctors. If the insurance company is questioning your injuries, updated medical records, treatment notes, or information from your doctors can help connect those injuries back to the accident.
- Better pictures. If your original photos didn’t clearly show the damage, additional pictures of your vehicle, the other vehicle, or the accident scene can help. These are sometimes included in the police’s accident report, but can also be available from others that we can get in contact with. The same goes for traffic camera or dashcam footage.
- Witness statements. If someone saw the accident but didn’t give a statement at the time, their story could help support what you said happened. We can take the lead in setting these up for you.
- The accident report. The police report can provide another account of what happened and might contain information that supports your version of events.
- Proof of your financial losses. Medical bills, repair estimates, pay stubs, and records showing missed work can help show the actual financial impact the accident has had on you.
- Evidence showing how your life has changed. Your injuries aren’t just about medical bills. If you’re having trouble working, taking care of things at home, exercising, or doing other things you normally would, that can matter too.
You don’t necessarily need to find one perfect piece of evidence that changes everything. You need to put together the full picture. That’s something we can help you with.
What Can I Do After My Car Accident Claim Is Denied?
Once the insurance company denies your claim, things can get more difficult. But you still have options:
- Renegotiating with the insurance company. This gives you an opportunity to provide additional medical records, photographs, witness statements, financial documentation, or anything else that addresses the reason they gave for denying your claim. It doesn’t guarantee they’ll change their mind. But it gives you another opportunity to make your case.
- File 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. Filing a lawsuit is a bigger step, and it isn’t right for every situation. But it does take the control out of the insurance company’s hands. Depending on your case, you might be able to get damages for 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
The right approach depends on why your claim was denied, the evidence you have, and what your injuries and losses look like. That’s why it’s worth talking through your situation before deciding what to do next.
Get Help From Ylla GosneyAfter Your Car Accident Claim Is Denied in Tulsa
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 Tulsa car accident lawyers at Ylla Gosney, Attorneys at Law can help you by:
- Filling in the gaps. 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.
- Getting 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.
- Handling 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.
- Taking it to court. 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 in the loop. You should know where your case stands, what we’re doing, and what your options are. Set up a free consultation today