After an auto accident, you file a claim through your insurance company, counting on the money from that claim to help pay medical bills and other costs. Unfortunately, things don’t always happen that way and your claim may be denied. When this happens, it is important to understand why your claim was denied. Each situation is different, but there are some common reasons why insurers will deny claims.

When your claim is submitted and denied, it could be for one of the following reasons:

1. The accidents was avoidable
If you could have avoided the accident, or if you did something to cause the accident, your insurance claim may be denied. This can include things such as drunk driving or letting an unlicensed driver use your car.

2. There was no complaint or treatment at the time of the injury
It is important to seek medical treatment as soon as possible if you wish to claim injury as a direct result of the car accident. If you have proof that treatment was sought immediately after the accident and had injuries diagnosed, you will have a much stronger case than if you wait to seek medical care.

3. Medical records don’t indicate pain or injury
If you do not have any medical records that prove you actually suffered an injury, your claim will likely be denied since you cannot prove that you are entitled to damages.

4. Pre-existing condition
Your insurer may argue that your pre-existing condition is what is causing your injury/pain, not the accident. If your condition was worsened because of the accident, you may still be able to get some compensation, but it can be tricky to prove what was caused by the accident and what was pre-existing.

When your insurance claim is denied or undervalued, it is important to understand that this doesn’t mean there is no further action to be taken. Insurance companies increase their profits by denying and underpaying claims, which puts you at a disadvantage. While you are trying to recover from your injuries caused by an auto accident, it is helpful to have an experienced attorney on your side to give you an advantage. The Law Office of Thomas Grier will negotiate with your insurance company and make sure you get the full compensation that you deserve.