Ylla Gosney, Attorneys at Law can help if your car accident claim has been denied in Tuttle. Going through a car accident is hard enough without having to also deal with an insurance company questioning things or denying your claim outright. But when and if that happens to you, our Tuttle car accident lawyers will be there to help you through it. Set up a free consultation today.
Why Would an Insurance Company Deny My Car Accident Claim?
This is usually the first question people have, and it’s also one of the reasons dealing with insurance companies can be so frustrating. When you file a claim after a car accident, you’re dealing with a company whose job is to protect its own bottom line. That can mean a lower settlement offer, but sometimes it means they deny the claim altogether. They might say:
- There isn’t enough evidence. This is usually one of the first reasons they give, where an adjuster tries to say the pictures you’ve provided don’t clearly show what happened, or that the statements from everyone involved don’t match up.
- 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 might’ve caused the accident.
- Your injuries were pre-existing. At some point, your injuries are going to come into play. 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.
- There’s an issue with the policy. Sometimes the insurance company will point to coverage issues or some technical part of the policy to explain why they won’t pay.
No matter what reason the insurance company gives you, it’s important not to remember that it’s not the end of your claim. Insurance companies have deeper pockets and resources, but you have advantages also.
Advantages to an Insurance Company Denying Your Claim
It doesn’t feel like it, but getting your claim denied by the insurance company actually gets the ball rolling on moving forward. Remember, them denying your claim doesn’t mean the accident didn’t happen or your injuries aren’t real. It’s more about entering into a back-and-forth, and our team can handle most of it.
But one of the biggest advantages with a denial is that you have a general idea of what the insurance company is looking at and how that’s led them to their decision. And with that, you can counter by providing more:
- Pictures/videos, especially of your injuries as they’ve progressed
- Medical records of your treatment and how they connect your injuries to the accident
- Statements from bystanders and witnesses
- Copies of the police report
- Input from accident reconstructionists or other experts
Again, these things can help you when the insurance company pushes back. Ultimately though, they’ll be the foundation you need for moving the process forward.
What Can I Do If My Claim Gets Denied?
Once the insurance company says no, things can get more difficult. But you still have options. Usually, that means looking at two possible options:
- Making a counteroffer. You don’t necessarily have to accept the denial and walk away. Depending on what happened, you can use the above things to counteroffer the denial. This essentially brings everybody back to the table to look at things again with fresh eyes. It doesn’t guarantee they’ll change their mind, but it gives you another chance to show them why their decision doesn’t tell the whole story.
- Filing a lawsuit. Sometimes, the best option is to take the decision-making power out of the insurance company’s hands. That’s what you can do with a lawsuit,and while it takes more time and effort, it also gives you the chance at fuller damages outside of what the insurance policy allows for, like:
- 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
There’s no one answer that works for every denied claim. It comes down to why your claim was denied, what evidence you have, and what you’ve lost because of the accident. The good news is that you don’t have to figure all of that out on your own.
Ylla Gosney Can Help After Your Car Accident Claim Is Denied in Tuttle
A car accident doesn’t stop affecting you just because the insurance company says no to your claim. You’re still dealing with your injuries. The medical bills are still coming in. You may still be missing work, and your car may still need to be repaired. Now you’re also expected to fight with an insurance company on top of everything else.
That’s where our Tuttle car accident lawyers at Ylla Gosney, Attorneys at Law can help. When you turn to us, we’ll:
- Fill 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.
- 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 has been denied, you don’t want to worry about saying the wrong thing or having your words taken out of context. We’ll handle the conversations with the insurance company so you don’t have to.
- Fight for 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 pursue 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. If your car accident claim has been denied in Tuttle, reach out today for a free consultation.