When you suffer an injury due to someone else’s negligence, you may decide to file a personal injury claim seeking compensation for your pain, suffering and financial losses. However, it’s not always guaranteed that your claim will be accepted. In fact, insurance companies or responsible parties often deny personal injury claims for various reasons. But what happens if a personal injury claim is denied?
Firstly, understand that a denial is not the end of the road; it simply means that your initial attempt at securing compensation has been unsuccessful. The reason for denial could be anything from insufficient evidence supporting your claim to discrepancies in your medical records or even policy exclusions.
Upon receiving a denial of your personal injury claim, it’s crucial that you thoroughly review the letter of denial sent by the insurance company. This document should clearly state why they’ve denied your claim and provide insights on how to appeal the decision if you disagree with their assessment.
The next step usually involves gathering additional evidence or information required by the insurer. For instance, if they’ve denied your claim citing lack of proof of liability on their insured party’s part, then you may need to provide more substantial evidence showing otherwise.
In some cases where there are discrepancies in medical records or doubts about whether injuries were indeed caused by the accident in question, obtaining further medical evaluations might help strengthen your case. It’s also important to consult with an experienced personal injury attorney who can guide you through this process and advocate on your behalf.
If all else fails and negotiations break down between yourself and the insurance company after repeated attempts at resolution – including through mediation – then filing a lawsuit becomes an option worth considering. Filing suit forces all involved parties into court where a judge or jury will ultimately decide upon issues such as fault and damages based on presented evidence.
It’s important to remember though that litigation can often be time-consuming and expensive; therefore it should generally be viewed as a last resort when all other avenues have been exhausted.
In conclusion, having a personal injury claim denied can be disheartening and stressful. However, it’s essential to remember that there are still numerous options available for you to pursue. It’s advisable to seek legal counsel from an experienced personal injury attorney who can help navigate the often complex process of appealing a denial or potentially taking your case to court if necessary. Regardless of the path chosen, don’t lose hope – many denials are successfully appealed and result in fair compensation for the injured party.
Munley Law Personal Injury Attorneys
609 Hamilton St, Allentown, PA 18101
16108577424