Why Personal Injury Claims Get Rejected and How To Avoid It

Whether you suffered a car accident or a slip-and-fall injury, if another party was responsible, you expect their insurance company to pay.

But what happens when insurance companies reject personal injury claims?

Insurance companies have the right to reject claims that do not meet the terms of the policy, but they often deny claims unfairly to protect their bottom line. With the help of The Voorhies Law Firm, a personal injury attorney in New Orleans, you can appeal your claim denial and improve your chances of securing compensation. 

All About Personal Injury Insurance Claim Rejections

If the negligent party in your accident had liability insurance, you can file a claim through their insurer to seek compensation for your injuries and other damages. An insurance adjuster will review the details of the accident and determine how much money to award you. 

But if the insurer disagrees with your reasoning behind the claim or finds that the policy doesn’t adequately cover your damages, they may reject the claim. 

Common Reasons for Insurance Claim Rejections

If you have received a claim rejection from an insurance company, your first step is to understand why. The insurer should provide a clear reason behind your rejection. These are a few common reasons an insurance adjuster may deny personal injury claims: 

• The policy does not cover your type of accident. 
• The at-fault party’s insurance was expired at the time of your accident. 
• The policy does not cover the location of the accident. 
• You provided insufficient evidence to show that the policyholder was responsible for the accident. 
• The adjuster does not believe your injuries were linked to the accident in the claim. 

Some of these reasons are outside your control, such as the policy not covering your accident. But just because an adjuster has denied your claim does not mean you cannot seek compensation in other ways. 

How To Appeal Rejections and Avoid Future Ones

If you disagree with the reason for the claim denial and believe your insurance claim is sound, consider appealing the rejection with the help of a personal injury attorney. Your attorney can help you collect additional evidence of liability to support the insurer’s fault determination and prove the policyholder’s negligence. 

You’ll need to provide supplemental evidence and documentation with your appeal and give the insurer time to reconsider your claim. To prevent future rejections of personal injury claims, follow these tips: 

• Preserve evidence after the accident. Take copious photos and videos, write down the contact information of witnesses, and report the incident to the police.
• Seek medical attention ASAP. This gives you documentation of your injuries and ensures that you do not overlook a potentially serious medical condition. 
• Provide thorough details with your claim. Give the insurance adjuster more than enough information to understand and approve your claim. 
• Work with an attorney from the beginning. Personal injury attorneys understand insurance company tactics and can help you strengthen your claim. 

What To Do After an Insurance Denial

If the insurance company still rejects your claim after you file an appeal, you and your attorney can explore seeking compensation another way. You may decide to:

• File a lawsuit against the insurance company. This may be the route to go if you disagree with the claim denial. 
• File a lawsuit against the at-fault party. This could allow you to secure compensation if the at-fault party has insufficient insurance coverage. 

Partner With an Experienced Personal Injury Attorney in New Orleans

Rejections for personal injury claims can be frustrating, but they don’t have to spell the end of the road for your compensation process. The Voorhies Law Firm can help you appeal your claim denial in New Orleans or explore alternate methods of seeking funds. We can also explain what happens after deposition and what to expect from a personal injury lawsuit. Contact us today at (504) 223-0753 to request a free consultation with our attorneys.