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Why Do Insurance Adjusters Deny Car Accident Injury Claims?

Insurance companies are in the business of making money.  One of the easiest ways for insurers to improve profitability is to save money on paying out injury claims, and so their goal is to settle your claim for as little as possible.

Insurance adjusters are paid employees whose job it is to investigate accident claims and settle them for the lowest possible value. Sometimes this includes denying legitimate claims in order to avoid paying a settlement, or in hopes of at least frustrating the claimant and minimizing the overall value of the claim. Below is a list of other reasons insurance adjusters may give for denying a claim:

Reasons for Claim Denials

  • Disputed Liability - If the insurance company can find any reason to claim that you did something that led to or caused the accident (rather than their insured), then you may have your insurance claim denied.
  • No Evidence - If there is no police report, witness statements or other evidence to prove that their insured is the at-fault party then they may deny your claim, again, by claiming that the accident was actually your fault.
  • No Medical Treatment - If you did not complain of injuries at the accident scene or did not seek medical treatment soon after the collision the insurance company may deny your claim for injury-related damages.
  • Medical Records - If your medical records do not specifically record complaints about injuries or pain then your claim may be denied.
  • Gaps In Care - If there are long gaps in medical treatment the insurance company may deny the claim stating that treament is unrelated.
  • Pre-existing Condition - If you have previously suffered from similar injuries the insurance company may claim that your condition was pre-existing and is thus unrelated to the accident.  

If you've been injured in an accident and are growing frustrated with the insurance company, you may want to at least consider consulting with a qualified attorney about your legal rights. An experienced lawyer can provide you with information about the steps that need to be taken in order to ensure a successful outcome for your case. 

The attorneys at Davis Law Group work on a contingency fee basis, which means there is no obligation to hire us if you contact our firm for a free consultation. We will also explain exactly how we believe that our assistance can improve the value of your case and ensure that your financial future is secure. 

Chris Davis
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Chris Davis is the founder of Davis Law Group, P.S. in Seattle, WA.