A denied personal injury claim after an accident may seem like a setback, but it does not necessarily signify the end of the road. Taking strategic steps can help you better understand the entire personal injury claim process and increase your chances of a successful outcome.
Why was my claim denied?
The first critical step is to review your denial letter well. Typically, insurance companies need to provide specific reasons for claim denials. This letter will be your guide, outlining the insurer’s rationale for rejecting your claim. Common reasons for denial include:
- Insufficient evidence to establish liability
- There is no medical documentation linking the injury to the accident
- You have pre-existing medical conditions contributing to the injury
Understanding the reason for rejection allows you to address the concerns directly and adequately.
Review gathered evidence
The initial evidence submitted might not fully support your claim. This presents an opportunity to strengthen your case. Gather comprehensive medical records that detail the injury, treatment received, and the doctor’s opinion on how the accident caused the injury. Reach out to potential witnesses of the accident who can corroborate what happened.
Exploring re-negotiation
If you are confident enough and fully understand the reason for your injury claim denial, you may approach the insurance company again. You may craft a letter with added information and concerns to improve your chances. The letter should be professional and factual, highlighting the revised evidence that strengthens your claim.
Unfortunately, not everyone is eligible for reconsideration. If renegotiation is unsuccessful, you may try re-filing your claim with any additional evidence included. It may also be helpful to seek advice from legal professionals, as they can effectively advocate for your rights to a claim.
