Law

Four Reasons Philadelphia, PA Insurance Companies May Use to Deny Personal Injury Claims

Accidents can suddenly turn your life upside down. You may be worried about the financial damage and the possibility of recovering from the injury. After an accident, you rely on your insurer to pay your related costs such as medical bills. However, without an understanding of the full extent of your losses, you could end up accepting a settlement that does not reflect the amount you deserve. Or your personal injury claim may be denied outright. In this case, you must determine the reason for the denial. Philadelphia, PA personal injury attorneys can determine the reason your claim may be denied and help you appeal the decision. The most common reasons include the following:

Failure to Get Prompt Medical Treatment or Examination

To prove you sustained an injury, you must seek medical treatment and examination as soon as possible. Otherwise, the insurance company may claim your injuries did not result from the accident or that you did not suffer injuries at all. By getting an immediate medical evaluation after the crash, you could be able to provide proof of your injuries. Also, delaying treatment will give the insurer a reason to believe you have exaggerated your injury just to get a payout.

Having A Pre-Existing Condition

The at-fault party’s insurance company may assert that your injury resulted from a pre-existing condition. Sometimes, you can still recover compensation if the accident exacerbated your pre-existing condition. But it can be hard to determine the kind of injury sustained and how your pre-existing condition influenced this injury.

The insurance company will ask you to fill out a medical authorization form. Before you sign this form, consult with your attorney first. The company will use this form to access your complete medical history and investigate past injuries, surgeries, or complications. It may argue that the injuries you currently claimed to have sustained may be due to your existing medical condition.

Failure to Inform the Insurer About the Accident

After an accident, you must contact your insurance provider as soon as possible. If you fail to notify the company, it might assert that it could no longer investigate your personal injury claim properly while it can still access valid evidence. 

Prohibited Activities 

You need to understand your contract with an insurance company. Your provider might not pay for your claim if you were engaged in activities that could void your policy. They may deny your claim if you drove your car while intoxicated or allowed somebody without a license to drive it.