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Challenging the Denial of Your Car Accident Insurance Claim

man concerned about letter he is readingAuto insurance companies have become very creative with their advertising. These companies are trying to build trust with policyholders and convince them insurers are on their side when victims need them.

However, it is very important to remember insurance companies are businesses. They need to make money, otherwise they cannot continue operating.

Insurance adjusters and others who work at these companies are incentivized to deny claims or pay out less compensation than victims may deserve.

If you filed a claim and it was denied or devalued, you should seriously consider meeting with a licensed attorney to discuss the situation. The insurance company may have denied your claim in the hope that you will simply give up pursuing compensation, even if you have a valid claim.

Below, learn more about when you should challenge a car insurance claim denial and find out how the licensed Harrisburg auto accident lawyers at Schmidt Kramer may be able to help you.

Common Reasons Accident Claims Are Denied

Insurance companies give policyholders a reason for denying their claim. Some of the most common reasons include:

  • Failure to immediately report the accident to the insurance company or the police
  • You did not get to the hospital right away
  • Your injury was caused by something besides the accident in question
  • Your medical issues are due to a preexisting injury, not an injury from the accident
  • You missed the deadline for filing a claim
  • Your injuries are not that serious

No matter the reason, you should consider appealing, as insurance companies are notorious for denying legitimate claims. Appealing is particularly important when you have a severe injury that has caused you to miss work. Not recovering compensation can be financially devastating for you and your family.

While your insurance claim might not be denied, the insurance company may offer a very small amount of compensation. For example, if you have a severe injury, the insurance company may offer just $5,000 or $10,000 in total compensation. They are hoping you will accept it out of fear you will not be able to obtain more compensation.

How Can a Licensed Attorney Help Me?

One of the most important reasons for talking to an attorney is to get answers to your questions, particularly if you are struggling to obtain compensation from your insurance company or your claim has already been denied.

At Schmidt Kramer, our lawyers are focused on the best interests of our clients, unlike the insurance companies, who are focused on their bottom lines.

In your free consultation, we can discuss the reason why your claim was denied and whether you may still be eligible to obtain compensation. We have the resources to thoroughly investigate a crash, review medical records and help link the accident and your injuries. Even if you made mistakes in the claims process, such as delaying medical treatment or revealing too much about the seriousness of your injuries, our lawyers may be able to help you.

What many accident victims may not realize is that insurance companies are often more motivated to resolve a denied claim when they are dealing with an attorney. Insurance companies often want to avoid the added expense of going to trial.

Was Your Auto Insurance Claim Denied? Call Today to Schedule a Free Consultation

Our lawyers know crash victims have many questions after a claim denial. That is why our experienced lawyers offer a free legal consultation for accident victims. There is no obligation to hire our firm after this meeting, which means there is no risk to you in contacting us.

We have helped numerous car accident victims recover compensation from insurance companies. We have also helped crash victims overcome a claim denial.

There are no upfront fees for our services. We are not paid unless we recover compensation on behalf of our clients.

Our phone lines are open to take your call: (717) 888-8888.