Why Was My Car Accident Claim Denied?

Challenging Unfair Denials of Car Accident Claims in Atlanta

After being injured in a car accident, you will likely need to file a claim through the insurance company of the at-fault party, or even through your own insurance company. The insurance company decides whether to approve your personal injury claim how much to offer you in compensation for your losses. Unfortunately, there many injury victims whose claims are unfairly denied—they are either offered settlements that are much too low, or they are denied any type of payment at all. It is important to remember that while insurance companies claim to be there for us when disaster strikes, the reality is that many of these commercial conglomerates are more concerned with making money—even if that means denying injury victims of the compensation they rightfully deserve.

When denying claims, insurance companies often try to mask their underhanded tactics through excuses that appear to be legitimate. At Kalka & Baer LLC, our competent Atlanta personal injury lawyers can help you fight for fair financial recovery, regardless of the reason that was given for your claim denial or reduction.

Reasons for Claim Denials and Settlement Reductions

Here are some of the many excuses insurance companies try to use in order to deny accident claims or to lower the values of settlements:

False Claim—The insurance company might allege that the victim's claim contains information that is false or misleading, such as details about how the accident occurred, the types of injuries suffered or the extent of the injuries.

Disputes Over Medical Costs—The insurance company might try to state that the costs of the necessary medical treatment are not actually as high as the plaintiff is claiming.

Pre-Existing Conditions—If the victim had some other injury or medical condition before the accident occurred, the insurer might try to claim that the victim's new injuries are part of the previous condition.

Disputes Over the Cause of the Accident—The insurer may try to place the blame elsewhere in order to lower or eliminate the liability of its insured. For example, it might state that the accident was caused by a different individual or entity (who is not the insured), or even that the victim is partially or fully at fault.

Illegal Actions by the Victim—Another method for placing the blame on the injury victim is to claim that the accident was caused by the victim's illegal actions, such as driving under the influence of drugs or alcohol (DUI). Insurance companies also make denials based on claims that the victim's injuries were self-inflicted.

Insufficient Insurance Coverage—The insurance company might try to manipulate policy limitations and exclusions to make it seem as though the victim's accident does not qualify for coverage under his or her policy.

Contact an Atlanta personal injury lawyer today!

With the help of one of our knowledgeable attorneys, you may be able to reach an acceptable settlement, even after your claim is rejected. If the insurance company is not willing to cooperate, we are more than ready to handle the matter in court. Take action after your personal injury claim is wrongfully denied—contact our firm so we can fight for justice on your behalf!