At Ashby Thelen Lowry, our Georgia personal injury attorneys know that insurance companies are not interested in paying our clients what their claims are worth. This is why we are here.
Our experienced lawyers prepare a compelling case that outlines our client’s injuries, the other party’s negligence or liability, and the damages suffered. This includes drafting demand letters and other written correspondence outlining the legal and factual basis for the claim.
Typically, before we can pursue the at-fault party’s insurance company and produce results for our clients, the injured parties attempt to settle their claims independently. This is when things become confusing for the injured person. They know someone else’s negligence caused their crash or other event that led to their injuries, so why is the insurance company denying their claim? We have answers.
Why is the Liable Party’s Insurance Provider Denying My Claim?
If your serious injury claim has been denied, it is essential to carefully review the denial letter and understand the insurance company’s reasons.
That may include:
- Disputes over Liability
The insurance company may dispute who is at fault for the incident or injury and may deny the claim if it believes its insured is not liable. We can help investigate your claim and collect the supporting evidence necessary to have the insurance company reconsider the facts.
- Insufficient Evidence
The insurance company may claim inadequate evidence to support the seriousness of the injury or its causation. They may argue that the injury existed before the incident or is not as severe as claimed. This is why it is crucial to seek medical care immediately after an injury occurs so that documentation can support how the injuries occurred.
- Pre-existing Conditions
The insurance company may argue that the injury is related to a pre-existing condition rather than the incident for which the claim is being made.
- Fraud or Misrepresentation
The insurance company may suspect fraud or misrepresentation on the claimant’s part, including exaggerating the extent of the injury or providing false information.
- Policy Exclusions
The insurance policy may exclude coverage for certain types of injuries or circumstances, and if the injury falls under one of these exclusions, the claim may be denied. Essentially, policy exclusions are extensive and are based on the insurance company’s interpretation, which means it can simply say, “The policy doesn’t cover that.” Our attorneys can see through this approach rather quickly.
If you have tried to pursue your injury claim directly through the insurance company only to be denied, you may have options for appealing the decision. Contact our skilled personal injury lawyers and support team at Ashby Thelen Lowry at (404) 777-7771 to schedule a free consultation. This will ensure your rights are protected so you can make informed decisions about the direction of your claim.