Insurance Companies Will Go To Extreme Lengths To Deny Your Claim or Offer You a Smaller Settlement.
Insurance companies have a limitless amount of access to resources. Trust me, they will dig up a lot of information about your background and history that you may not have even know. As a result, they use this as a defense to give you a smaller settlement or even no settlement at all. Here are 10 excuses why you may be denied your claim.
1. You had preexisting injuries.
This is usually an excuse in neck and back injury cases as a result of a car accident. Insurance companies will use your prior medical records to establish that there was a problem before the accident and that is the reason why you are injured.
2. You had prior accidents.
This, too, could be responsible for your injuries-not the accident itself.
3. You had gaps in treatment.
If you stop getting medical treatment for three or four months and then return to the doctor, the insurance company will almost surely point out that there is a "treatment gap".
4. You didn't have enough treatment.
This piggy-backs off of #3. One would think that the insurance company would appreciate a person for not over-treating, but they find a way to use it as an excuse for a low offer.
5. You had too much treatment.
This reasoning comes up frequently when an injured party has extensive chiropractic treatment, physical therapy, injections, or emergency room visits. In addition, juries are usually skeptical or huge chiropractic or physical therapy bills.
6. Your injuries are not validated by their interpretation of the medical testing you had.
Unless you can prove that you are injured (usually from diagnostic tests), the insurance companies have reason to deny you compensation.
7. Their doctors see your injuries differently than your doctors do.
The insurance company has doctors who they hire to evaluate a person and estimate how long treatment and recovery will take. Insurance companies will go off their doctor's recommendations.
8. You didn't have any medical testing.
If you can't prove that you are injured by providing medical paperwork, then it becomes a game of "He Says, She Says." Insurance companies can't trust your word, but they will trust a doctor's.
9. You had limited tort coverage.
If someone else hits you, the FIRST question their adjuster asks you is, do you have full tort or limited tort? Because if you have limited tort, you can't sue them in most cases, so they can screw you over more easily. It's best to have full tort coverage.
10. Someone else was at fault, but it wasn't their insured.
A lot of the excuses the insurance companies give are unreasonable. For example, just because your injuries cannot be shown on a test, it does not mean that you are not in pain or suffering. Insurance companies have access to a lot of information and resources and will put up a good fight to save their bank accounts.
Contact a California Injury Attorney
If you are injured or killed in a car accident, slip-and-fall, or any other injury in California caused by the negligence of another party, fighting the insurance company for money is the last thing you or your family wants to do. The San Diego personal injury lawyers at the Jurewitz Law Group will get you the protection and compensation you need from your insurance carrier. Call our law office at 888-233-5020 to set up a free consultation.
Have you been injured in an accident in San Diego or anywhere in California and don't know what to do next? We are here to help and provide you with the important and relevant information you need to make an informed decision about:
- How to handle your personal injury claim
- Who is the right injury accident attorney to help you with your case, and
- Whether you even need to hire a lawyer to help you with your insurance claim
Call the Jurewitz Law Group at 888-233-5020 to order one of our free California personal injury books to get the information you need or to set up a free consultation with one of our experienced San Diego personal injury attorneys.
