Insurance Denied My Personal Injury Claim—What Now?
A denial is not the final word. Here's what you can do.
First: Don't Panic
Insurance companies deny claims all the time—even legitimate ones. They're hoping you'll give up. Many denied claims are eventually paid after pushback or legal involvement.
Common Reasons Insurance Denies Personal Injury Claims
- ✗Disputed liability - They claim you were at fault
- ✗Pre-existing conditions - They say your injury is not new
- ✗Gaps in treatment - You waited too long to see a doctor
- ✗Policy exclusions - They cite fine print in your policy
- ✗Insufficient evidence - They claim you have not proven your case
- ✗Missed deadlines - You filed too late
Steps to Take After a Denial
1
Get the Denial in Writing
Request a written explanation of why your claim was denied.
2
Review Your Policy
Understand what is actually covered and what exclusions exist.
3
Gather Additional Evidence
Medical records, photos, witness statements, police reports.
4
File a Formal Appeal
Most insurers have an internal appeals process.
5
Contact a Personal Injury Attorney
A lawyer can send a demand letter, negotiate, and file a lawsuit if necessary.
When Should You Get a Lawyer Involved?
- ⚠️Insurance denies your claim outright
- ⚠️They offer a lowball settlement
- ⚠️They delay endlessly
- ⚠️They claim you are at fault when you are not
- ⚠️Your injuries are serious
- ⚠️You are overwhelmed by the process
Get Help Fighting Your Insurance Denial
An attorney can pressure the insurance company to pay what you deserve. Consultations are free—you have nothing to lose.
Get Free Case Evaluation