Carolina Accident Lawyers

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.

Why Was Your Claim Denied?

Claims can be denied for any number of reasons, but several that are commonly cited include:

  • The insurance policy lapsed due to unpaid premiums, or the policy didn’t provide the applicable coverage.
  • The insurance company made a simple error and incorrectly entered a code or claim number, or the claim was processed through the incorrect insurer.
  • Pre-existing medical conditions
  • A lapse between the accident and the claimant seeking medical treatment
  • The insurance company denies its client’s responsibility regarding the accident.

Regardless of the reason provided for the denial, if you believe you have a valid personal injury claim, it’s in your best interest to consult with a knowledgeable personal injury lawyer.

Inform the Insurance Company about the Error

If you and your attorney believe your claim shouldn’t have been denied, your personal injury attorney will pen a letter to the company in support of your dispute. Along with the letter, you will include evidentiary documentation, including things like pictures taken at the accident scene, medical records, eyewitness accounts, the police report, and more. The insurance company faces strict deadlines in relation to addressing such an appeal. 

File a Bad Faith Insurance Claim

Sometimes, insurance companies act in bad faith, which means they deny legitimate claims for reasons that benefit the company but do not fulfill their obligations to the claimant. If the insurance company is bullying you, breaching the insurance contract, violating the state’s insurance codes, or otherwise acting in bad faith, there is a legal mechanism in place for filing a bad faith insurance claim against the company.

Filing Suit against the Negligent Party

If you find no inroad with the insurance company, you may need to resort to filing a legal suit against the negligent party. Generally, these cases settle before they make it into a courtroom. Whatever your situation, an experienced personal injury attorney can help you find the best path forward.

If You Have Insurance-Claim Concerns, Consult with an Experienced North Carolina/South Carolina Personal Injury Attorney Today

If you’ve been injured by someone else’s negligence, you’re relying upon the insurance company involved to treat you fairly, but things don’t always work out that way. Attorney Justin Bice at Bice Law – with offices in South Carolina and North Carolina – is a formidable personal injury lawyer who’s committed to helping you obtain the compensation to which you are entitled. We’re on your side, so please don’t hesitate to contact or call us at 803-639-8777 (South Carolina) or 704-243-8778 (North Carolina) for more information today.

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