Carolina Accident Lawyers

How to Deal with a Denied Insurance Claim

How to Deal with a Denied Insurance Claim

If you’ve been injured as a result of someone else’s negligence, the last thing in the world you need is to have your insurance claim denied. Being compensated for the injuries you’ve sustained is critical to your ability to reach your fullest recovery. Insurance claims – even valid insurance claims – are, nevertheless, sometimes denied, but that is not necessarily the final answer. If your personal injury claim has been denied, an experienced North Carolina/South Carolina personal injury attorney can help.

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My Insurance Claim: Does the Insurance Company Have a Time Limit for Payment?

If you’ve been injured in an accident that was caused by someone else’s negligence, you’re relying upon the insurance company to do the right thing. In fact, receiving prompt payment from the insurance company can help you make it through this difficult time more comfortably and can help ensure that you reach your fullest recovery. If the insurance company takes its own sweet time in the matter, it can exacerbate the damages you’ve suffered. If you have concerns about an insurance claim, consult with an experienced North Carolina/South Carolina personal injury attorney today.

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North & South Carolina Insurance Claims FAQ

If someone else’s negligence leaves you injured in a car accident, a slip and fall, or in any kind of accident, you’re going to be dealing with an insurance company. And you’re probably going to have questions. Knowing the answers to frequently asked questions related to insurance claims can help. If you’ve been injured by the negligence of another, a North Carolina/South Carolina personal injury attorney can help.

 

Should I Accept the Insurance Company’s First Offer?

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Even a Seemingly Minor Car Accident Can Lead to Serious Injuries

Spinal Cord Injuries

Spinal cord injuries can occur anywhere on the spinal cord, and such injuries can be symptom free until they become both more serious and more painful. The impact generated by nearly any car accident can lead to a spinal cord injury. Spinal cord injuries can lead to chronic pain, restrict motion, and even cause permanent disability. If you’ve been in a car accident, it’s in your best interest to see a doctor and rule out a spinal cord injury.

Whiplash

Whiplash is a painful injury that is closely associated with car accidents – especially rear-end accidents (but any kind will do). Rear-end accidents at slower speeds are often considered minor fender benders, but whiplash doesn’t qualify as a minor injury. Whiplash is caused when the head whips back and forth on the neck as a result of impact – such as the impact of a car accident. The Mayo Clinic shares those symptoms common to whiplash injuries:

 

  • A stiff and painful neck
  • Pain that worsens with neck movement
  • Decreased range of motion in the neck
  • Dizziness and/or fatigue
  • Numbness or tingling in the arm(s)
  • Pain and/or tenderness in the upper back, arms, or shoulders
  • A headache that radiates out from the base of the skull
  • Blurry vision
  • Ringing in the ears

In addition to these physical and sense-based symptoms, you can also suffer emotion-based symptoms – such as irritability, depression, and/or sleep problems.

The Insurance Company

If you’ve been injured by a negligent driver in a seemingly minor car accident, the insurance company will likely attempt to minimize the damage you’ve suffered. Insurance companies are motivated by generating large profits, and they do this by keeping their payouts as low as possible. Further, insurance companies have vast resources at their disposal and employ professionals who are very experienced at obtaining specific results. In other words, you need a knowledgeable car accident attorney to negotiate with the insurance company on your behalf.

If a Negligent Driver Leaves You Injured, a Skilled North Carolina/South Carolina Car Accident Lawyer Can Help

If another driver’s negligence leaves you injured, attorney Justin Bice at Bice Law – with offices in South Carolina and North Carolina – is committed to helping you obtain the compensation necessary to cover your financial, physical, and emotional damages. Mr. Bice proudly serves the Carolinas, and he’s on your side. For more information, please don’t hesitate to contact or call us at 803-639-8777 today.

 

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Fatigued Drivers Cause Dangerous Accidents

Everyone is aware that driving while impaired by alcohol and/or drugs is not only dangerous but also illegal. Drivers often fail to recognize, however, the danger associated with driving while fatigued. In fact, the dangers inherent to driving while drowsy are so serious that there are strict hours-of-service regulations at the state and federal level for commercial drivers. If a fatigued driver leaves you injured, consult with an experienced car accident attorney in the Carolinas.

Fatigued Driving: The Statistics

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Whose Side is the Insurance Company On?

On radio and television commercials, it is not uncommon for viewers to be bombarded with insurance company advertisements. Insurance companies often advertise that they will be there for you in the event of a motor vehicle collision or other unexpected emergency. However, despite these claims, insurance companies are rarely working for you or your legal interests. By and large, insurance companies are large businesses that are primarily looking out for themselves.

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Five Insurance Company Tactics Designed to Get You to Settle for Less

Despite what they may say in their radio and television commercials, insurance companies really are not working for you. Insurance companies, like all businesses, are first and foremost interested in profit. By paying out compensation in an accident claim, the insurance company is losing money. Consequently, insurance company adjusters will use every trick in the book to try and undervalue your claim – and to try and get you to settle for less than what your injury case is worth.

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Can the Insurance Company Monitor Your Facebook Feed?

ISocial Media Appsn the age of sharing every last detail of our lives on social media, many people would think that posting after being involved in an accident is not that big of a deal. It is common to not even think twice before posting the most benign details of life online.

When it comes to posting on social media after an accident , there is one very good reason to avoid doing so, however The insurance companies who are attempting to reduce the value of your settlement offer are most likely watching to see if you will anything they can use against you on social media platforms. Their goal is to find information that might hurt your claim. One of the best places to seek out this information is on your Facebook page. A simple screenshot of a post or a comment on your Facebook page can be incredibly damaging as you are going through the claims process. There is nothing preventing a representative at the insurance company from finding your Facebook profile and attempting to dig for information on your page, especially if your profile is set to public.

How to Protect Your Data From the Insurance Companies

Although it is often tempting to share the details of your accident on Facebook, your attorney will most likely advise you to refrain from posting anything. There is simply no reason to give the insurance companies any information that can help them in their attempt to offer you less money for a settlement. 

In order to protect your data from the insurance companies, it is best to simply avoid posting anything at all to Facebook. That said, it is difficult to manage what other people might post to your own Facebook page and this information can be damaging as well. During this time, you might consider closely monitoring your page and making sure to delete any comments that relate to your accident in any way. 

After an accident, it is advisable to completely lock your Facebook page with every security setting in order to prohibit those viewers who are not on your list of accepted friends to look at your page. Better yet, delete your page altogether while you are going through the claims process. You can always reactivate it once you have reached a fair settlement and moved on from the accident. 

Speak with a Skilled North Carolina and South Carolina Personal Injury Attorney Right Away

If you’ve been injured and believe that another party is at-fault, your best course of action is to speak with an experienced attorney who can outline the details of your situation. The more information you can keep private, the better your chances of receiving a fair settlement to compensate for your injuries. The legal process can quickly become complicated and confusing, and Bice Law is here to help. Call us today at 803-639-8777 in South Carolina or 704-243-8778 for those located in North Carolina. We can set up a free initial consultation. You can also contact us online. Don’t delay, reach out today.

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Do You Have to Provide the Insurance Company with a Recorded Statement?

Blue car with dents and smashed headlightA car accident can be a traumatic experience, especially for those who have never been involved in one before. When you’re injured in an accident, the stakes can feel much higher, especially when you are attempting to collect compensation for your injuries. For this reason, it is always advisable to speak with an experienced personal injury lawyer to learn more about your options and the best course of action. 

After an accident, it is very common for insurance companies to start contacting you about your claim. While you are attempting to recover from your injuries, the insurance adjusters are typically working hard to find ways to minimize the value of your claim. Legally, you are not required to provide any insurance company with a recorded statement. There could be something written in your insurance policy that states you are required to provide a statement, but this is unlikely. Still, for this reason, it is always advisable to have your attorney review your insurance policy closely to make sure there are no conflicts if you refuse to provide a statement. 

Issues with Giving a Recorded Statement to the Insurance Companies

Insurance companies are for-profit, meaning that they are focused on making money and reducing the value offered for a settlement. After an accident, one of your priorities is to make sure that you have enough money to pay for current and future medical expenses. Bills can add up quickly, especially if you are unable to work after the accident. 

One of the biggest issues with providing a recorded statement to an insurance company, especially without a lawyer present, is that whatever you say during the interview is permanently recorded and can be used to minimize your payout. While you might believe that you are helping your claim by cooperating with the insurance companies and agreeing to provide a recorded statement, there are many opportunities for error. The smallest detail could change the course of your claim and result in a largely reduced settlement offer. As a general rule, it is best to defer all communication from both your insurance company and the insurance company of the at-fault party to your lawyer. By staying out of this process and letting your attorney do the work, you can focus on resting and recovering from your injury. 

Call an Experienced North & South Carolina Personal Injury Lawyer Today

When you’re in the middle of a claim with an insurance company, it can be difficult to know what information can help or hurt your chances of a fair settlement. For this reason, it is advisable to speak with a skilled attorney who understands the nuances of dealing with insurance agencies. At Bice Law, we are dedicated to fighting for your right for just compensation after an accident. Call Bice Law today at 803-639-8777 for those located in South Carolina or 704-243-8778 for those located in North Carolina. You can also contact us online to schedule a free initial consultation. We are here and ready to help. 

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The Insurance Company is NOT on Your Side after a Car Accident

Blue car with dents and smashed headlight

If you are the victim of a serious car accident, you will quickly realize that the insurance company is not on your side. To the contrary, the insurance company, along with its adjusters and lawyers, will do everything possible to undermine your case and minimize its value.

From a business perspective, this makes complete sense. The insurance company wants to limit its monetary exposure to the greatest extent possible. One way that it does so is by significantly limiting personal injury payouts.

The experienced car accident lawyers at Bice Law understand that insurance companies are never interested in doing the right thing after a serious car accident. Our legal team can review the facts of your accident with you and help you decide on the best strategy for maximizing your case’s value, forcing the insurance company to pay you what you deserve.

Recorded Statements

One way that the insurance company may try to undermine your case is by requesting a recorded statement from you. Accident victims are not required to provide a recorded statement, contrary to what an adjuster may tell you.

You should never agree to provide a recorded statement to another insurance company following your car accident. These recorded statements serve no purpose, other than to potentially gather information which the insurance company can later use against you. You should avoid them at all costs.

Initial Settlement Offers

Following some car accidents, the insurance company will put an extremely low settlement offer on the table, hoping that you will accept it. When it comes to low settlement offers, the insurance company only has its own interests at heart. Adjusters are hoping that you will accept the low offer so that they can dispose of your accident case quickly and remove your file from their desk.

You should never accept an initial settlement offer that an insurance adjuster puts on the table, as there is almost always additional money that can be negotiated.

Settlement Negotiations

Even during additional settlement negotiations, many insurance companies will continue to fight you. In an effort to avoid paying settlement money on your case, they may allege any of the following:

  • That you suffer from preexisting injuries or medical conditions
  • That you were injured in a prior or subsequent accident
  • That your injuries were not all that serious
  • That you did not suffer any permanent injuries
  • That you did not treat immediately after your accident or that there are large gaps in your medical treatment

An experienced Carolina car accident lawyer can negotiate with the insurance company on your behalf and highlight all of the positive aspects of your case.

Call a Carolina Car Accident Lawyer Today

When the insurance company is fighting you every step of the way, the experienced car accident lawyers at Bice Law can help during settlement negotiations and throughout litigation.

To schedule a free consultation and case evaluation with a Carolina car accident lawyer, please call us today at 704-243-8778 (North Carolina) or 803-639-8777 (South Carolina), or contact us online.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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