Insurance companies are in business to make money. And they like to save money too---sometimes by minimizing or denying legitimate claims in order to avoid paying a settlement.
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.