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Most insurance companies don’t like offering large payouts, and they’ll look for all possible reasons to deny a claim. Here are some of the main scenarios that often lead to the denial of accident claims:
Every claim must be supported by undeniable evidence. A legal expert understands the key pieces of evidence to put together for a strong, irrefutable claim. They’ll also help you assess the pros and cons of accident trials versus the arbitration process in case your claim is denied.
You risk having your accident claim denied if you forego comprehensive medical care or don’t obtain all relevant medical records that could support your case. If you want to be compensated for injuries and financial loss incurred through medical expenses, you need concrete proof.
This is, perhaps, one of the most common reasons given by insurance companies in Arizona when denying accident claims. They’ll either argue that their policyholder isn’t liable or that liability should be shared.
| Reason for Denial | What It Means | How It Can Affect Your Claim |
|---|---|---|
| Lack of Evidence | Not enough proof of fault or damages | The insurer may reject liability entirely. |
| Incomplete Medical Records | Missing treatment records or delayed care | Injuries may be questioned or undervalued. |
| Disputed Liability | The insurer argues fault is unclear or shared | Compensation may be reduced or denied. |
| Missed Deadlines | Filing deadlines or paperwork requirements were missed | The claim may be rejected on technical grounds. |
| Pre-Existing Injury Claims | The insurer argues injuries existed before the accident | Damages may be minimized. |
| Policy Coverage Disputes | Questions about insurance coverage limits or exclusions | Compensation may be delayed or denied. |
Your pursuit for compensation shouldn’t end with a denied accident claim. Here’s what you can do:
Never accept claim denials issued via phone calls. The insurance company or adjuster must formally write to you informing you of the denial and the reasons for it.
If the reasons given by the insurance company aren’t factual or convincing, file a rebuttal and cite your disagreements. If the insurer claims a lack of liability or shared liability, write back to them and provide evidence that proves otherwise. Many insurance companies have internal appeal mechanisms that you can take advantage of.
You can take your case to court if the parties involved are uncooperative or dishonest. Your attorney will help you file the case and present facts to the judges or jury.
Still, you should be aware of the timeline for an accident lawsuit process before filing the suit; it might end up taking longer than you anticipated.
Your pursuit for compensation shouldn’t end with your denied accident claim. You can still send a rebuttal or file a lawsuit!
Need legal assistance pushing for your accident compensation in Phoenix? Gage Mathers is ready to help you. Reach out today!
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