What to Do If an Insurance Company Denies Your Personal Injury Claim

If you’ve been in a car accident, you may be wondering what to do if an insurance company denies your personal injury claim. This can be a difficult situation, especially if the accident has caused you physical pain and significant stress.

But don’t worry. In cities like Atlanta and Chicago, a denial is often just the beginning of a negotiation. Our car accident attorneys are here to guide you through this process, explaining what to do if your claim is denied and how to fight back.

What to Do If an Insurance Company Denies Your Personal Injury Claim: Step-by-Step Guide

Step 1: Understand Why Your Claim Was Denied
To effectively respond, you must first understand why the insurance company denied your claim. By law, they are required to provide a reason.

Common reasons for denial include:

• Claims that the accident was your fault (consider your state’s comparative negligence laws) 

• Claims that the policy was not active at the time of the accident 

• Claims that your injuries were pre-existing and not caused by the accident 

• Claims that you were not seriously injured due to delays in seeking medical treatment 

Step 2: Gather Strong Evidence
Solid evidence is essential to support your claim. This may include police reports, photographs, video footage, witness statements, and medical records.

Step 3: Consider the Internal Appeals Process
Many people don’t realize that insurance companies often have an internal appeals process. This allows you to submit a formal letter disputing their decision.

When writing your appeal letter, keep your tone professional and focus on the facts and supporting evidence.

Step 4: Research Your Local Laws
Your legal rights can vary depending on where you live.

For example, in Georgia, if an insurer denies a claim in bad faith, you may be entitled to a penalty of up to 50% of the claim amount or $5,000 (whichever is greater), in addition to potential attorney’s fees.

In Illinois, drivers are protected against unreasonable conduct by insurers, which can lead to significant court-ordered penalties if the company is found to have acted unfairly.

Step 5: Consult an Attorney
Insurance companies sometimes issue standard denial letters to unrepresented individuals, assuming they may not challenge the decision.

An experienced attorney can help you navigate the legal process, gather evidence, negotiate with insurers, and file a lawsuit if necessary—while ensuring you meet important deadlines, such as the statute of limitations.

Reach Out to The CP Law Group Today

Do you believe your claim has been unfairly denied? Don’t let a “no” be the end of your recovery.

Contact The CP Law Group today. Our personal injury attorneys are ready to assist you, answer your questions, and provide the legal guidance you need.

For a free, no-obligation consultation, call us at 844-546-4878 or connect with us on social media @TheCPLawGroup.