5 Reasons the Insurance Company Will Deny Your Personal Injury Claim

insurance denial personal injury claim

If you have been injured in an accident caused by someone else’s negligence, you may be entitled to compensation for your damages. However, insurance companies are not always willing to pay out claims and may deny your personal injury claim.

In this blog post, we will discuss the top five reasons insurance companies may deny your personal injury claim.

Understanding these reasons can help you avoid making mistakes that can jeopardize your claim and increase your chances of receiving the compensation you deserve.

Contact The Jones Firm in Columbus, OH, today to get started on your personal injury claim.

Reason 1: Pre-existing Injuries

If you have pre-existing injuries, they can be used against you when you file a personal injury claim. Insurance companies may argue that your current injuries are not the result of the accident but rather the result of a pre-existing condition.
This argument can be particularly persuasive if your medical records show that you received treatment for the same or similar injuries before the accident.

However, just because you have pre-existing injuries does not mean that you are not entitled to compensation for the injuries you sustained in the accident. If the accident aggravated your pre-existing condition or caused new injuries, you may still be eligible for compensation.

It is important to work with a personal injury lawyer in Columbus who can help you navigate this issue and build a strong case to prove that the accident caused or worsened your injuries.

Reason 2: Lack of Evidence

Evidence is crucial to proving liability and damages in a personal injury claim. Without sufficient evidence, the insurance won’t pay for your damages.

Common types of evidence required to support a claim include:

  • Medical records
  • Police reports
  • Witness statements
  • Photographs of the accident scene and/or injuries

Unfortunately, many accident victims fail to gather sufficient evidence or underestimate the importance of collecting evidence at the accident scene. This can lead to a lack of evidence to support their claim, which can lead to a denial of their claim.

Working with an experienced personal injury lawyer can help ensure that you have the necessary evidence to support your claim and increase your chances of receiving fair compensation.

Reason 3: Delayed Medical Treatment

If you’ve been injured in an accident, it is crucial to seek medical attention as soon as possible. Delaying medical treatment or failing to follow up with medical care can be used against you by an insurance company to deny your personal injury claim.

Insurance companies may argue that your injuries were not serious enough to warrant medical attention or that they were caused by something other than the accident.

Delayed medical treatment can lead to further complications and make linking your injuries to the accident more difficult. It is important to seek medical attention immediately, even if your injuries are minor. This helps protect your health and strengthens your personal injury claim.

Reason 4: ComparativeNegligence

In some personal injury cases, the injured party may be found to be partially at fault for the accident. This is known as comparative negligence. If an insurance company can prove that you were partially responsible for the accident that caused your injuries, they may deny your claim or reduce the amount of compensation you are entitled to receive.

For example, if you were involved in a car accident at night and your headlights were not on. This can result in reduced compensation or a complete denial of your claim.

Working with an experienced personal injury lawyer can help you build a strong case and defend against claims of comparative negligence.

Reason 5: Statute of Limitations

In Ohio, the statute of limitations for personal injury claims is two years from the date of the injury. This means that you have two years to file a lawsuit or settle your claim with the insurance company. If you miss this deadline, you may lose your right to pursue compensation.

Insurance companies in Ohio are well aware of the statute of limitations and may use it to their advantage to deny your claim or pressure you into accepting a low settlement offer. It is essential to work with a Columbus personal injury lawyer who can help you file your claim within the statute of limitations.

Contact a Columbus Personal Injury Lawyer Today

Contact a Columbus personal injury lawyer today to protect your rights and ensure you receive the compensation you deserve. Our experienced team at The Jones Firm can help you navigate the complex legal system, negotiate with insurance companies, and gather the evidence necessary to support your claim.

Our attorneys can help you with various personal injury practice areas, including car accidents, truck accidents, and work injuries. We offer a free case review to discuss your case and determine the best course of action.

Don’t wait—call us today to get the legal representation you need.

Author Bio

Geoff Jones is the CEO and Managing Partner of The Jones Firm, a personal injury law firm in Columbus, Ohio. With years of experience in personal injury law, he has zealously represented clients in a wide range of legal matters, including car accidents, medical malpractice, slip and falls, wrongful death, and other cases.

Geoff received his Juris Doctor from the Ohio State University Moritz College of Law and is a member of the Columbus Bar Association. He has received numerous accolades for his work, including being selected to Super Lawyers Rising Stars for 2022-2023.

LinkedIn | State Bar Association | Avvo | Google