If you have been injured due to someone else’s negligence, filing a personal injury claim can help you recoup the costs of medical bills, lost wages, and other damages. However, it may be disheartening if your claim is denied by the insurance company. While it is indeed frustrating, it is essential to understand that a denial doesn’t mean the end of your case. There are several steps you can take to fight back.
Firstly, make sure to review the denial letter from your insurance company thoroughly. The letter should provide reasons for denying your claim. It could be due to late filing of the claim or lack of evidence proving liability or injuries. Understanding these reasons will guide you on what needs rectification in order for your appeal to stand a chance.
Secondly, gather all necessary documents associated with your case including medical records and reports from healthcare providers outlining the extent and nature of your injuries; police reports if applicable; witness statements; photographs taken at the scene of accident among others. These documents will serve as strong evidence when appealing against the decision.
In some cases, an error might occur during paperwork processing leading to a wrongful denial which could easily be corrected once identified. Therefore, cross-checking all submitted paperwork for errors or missing information is crucial.
Next step would be contacting an experienced personal injury attorney who can provide legal advice tailored specifically for your situation and help navigate through complex procedures involved in appealing against a denied claim. They possess knowledge about how insurance companies operate and are skilled at negotiating settlements ensuring that their clients receive maximum compensation they rightfully deserve.
Additionally, consider seeking independent medical examination especially if there were disagreements regarding severity or cause of injuries between you and insurer’s doctor during initial assessment phase which led to denial in first place.
Lastly but not least important step involves filing an appeal with state’s department of insurance if insurer still refuses to settle even after presenting compelling evidence demonstrating their fault in causing said injuries through negligence or other wrongful conduct. This governmental agency has authority to investigate and potentially overturn unjust claim denials.
Remember, insurance companies are in business to make profit and sometimes they might deny valid claims hoping that claimants will simply accept their decision without putting up a fight. However, you have every right to challenge such decisions and seek justice for your personal injury. It may be a lengthy process requiring patience and persistence, but with the right approach and professional help, you stand a good chance of getting your deserved compensation.
Munley Law
510 Third Ave 2nd Floor, Pittsburgh, PA 15219
14125345133
