Personal injury Library

What Do I Do If an Insurance Company Denies My Car Accident Claim?

Has your car accident injury claim been denied? Our attorneys can fight for you:

In most cases, people do not look for an attorney until after their insurance claim is denied. This is never the ideal situation, as it's always better to have an attorney on board from the get-go. Nevertheless, we can likely help.

Questions Answered on This Page:

  • Why would my car accident claim be denied?
  • What are my options if my car accident claim is denied?
  • How do I know that I have enough proof of my damages?

Common scenarios where an insurer denies coverage.

Of all the many types of cases we do---personal injury, work accidents, premises liability, etc.---insurance companies deny liability most of all in car accidents. Some insurance carriers (like Allstate) are notorious for frequently denying coverage simply as a matter of course. They are aware that you have the option to sue them, but they also know that you probably won't and they are basically calling your bluff. They'll likely feed you some line about "disputed liability" or "unproved damages" or some jumble of legal-sounding phrases about your case that might even be made up from thin air.

We've had people come to us after an insurance adjuster tried to improperly claim the victims' immigration or marital status doesn't require the company to pay.

But as we discussed on our page about whether insurance companies have to pay your medical bills, there is no legal obligation for insurance companies to automatically pay you for what you've lost. Perhaps you've gotten something like this from an adjuster:

  • "We don't believe that our insured is responsible for the accident." In other words, they think it's your fault.
  • "Extensive evidence exists that a third party caused the incident." This is an attempt to offload blame onto someone other than you and the other driver. There may be some truth to this, but it's also a classic cop-out ploy.
  • "You've not proven your injuries, if any." While the insurer might not be disputing who's at fault, they're playing defense on having to pay.

As sad as it is to say, insurance companies play these games even when motorists and passengers die as a result. You would think that their best people would be placed on the file to help you get all you deserve. Instead, they put their best people on the case to deny your claim.

Even if an insurance company has denied your claim, we can help.

While it is best to involve an attorney at the very beginning of this process, even if you wait until your insurance claim is denied there is still something that can be done. We can launch our own investigation into your case to see what, if anything, the adjusters missed. Often enough, we find out that the police report put the other driver at fault or got the incident wrong.

Further, in cases where the insurance company claimed that you didn't have any actual injuries, we request our clients' medical records and also send them to our own medical professionals for assessment. Here again, we constantly find injuries the insurance company overlooked.

We then take all the relevant evidence and submit a demand to the insurance adjuster with a summation of our legal case, your actual medical records, and a deadline that if they don't pay you, we'll file a lawsuit. The prospect of having to hire their own lawyer and litigate a case in court means that not only might that have to pay your claim, but they'll surely incur lots of other costs.

Call Grossman Law Offices Today.

Our attorneys at Grossman Law Offices have helped hundreds of clients with their insurance claims. We have 25 years of experience and know how to deal with insurance companies to get you the compensation that you deserve. Call today for a free consultation regarding your insurance claim at (855) 326-0000.

Read one of these articles to learn more about car insurance:

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