Top Eight Mistakes That Can Ruin Your Personal Injury Claim 

Navigating a personal injury claim can be confusing and overwhelming, especially if you have no prior experience with civil lawsuits or liability claims. For that reason alone, your claim might become compromised by a few simple missteps. 

Understanding the mistakes to avoid in a personal injury claim might help you avoid setbacks in the claims process. Keep the following in mind, then contact an experienced personal injury attorney for legal assistance. 

1. Delaying Medical Treatment

A compelling personal injury claim hinges on solid evidence of your injuries. You need to be able to show that the defendant’s negligence led to your injuries and other damages. However, delaying medical treatment until days or weeks after the accident might make it challenging to prove that your injuries were the defendant’s fault. 

Instead, seek medical treatment as soon after the accident as possible if you are injured. Not only will this potentially aid your recovery, but it may also provide you with documentation to use as evidence in your claim. 

2. Missing Filing Deadlines 

Personal injury claims are subject to state-determined statutes of limitations, which dictate the amount of time after an accident you have to file a lawsuit. The statute of limitations in Alabama is generally two years from the accident date, but the statute of limitations should be analyzed on a case-by-case basis. Missing deadlines like this one might render you ineligible to seek compensation from the negligent party, depending on the details of your accident. 

An experienced personal injury attorney can help you remember and adhere to all relevant deadlines in your case. 

3. Ignoring Medical Advice

Along with delaying medical treatment, ignoring your doctor’s advice is another mistake that you may want to avoid in your personal injury claim. Failing to rest, keep the injured body part moving, take medications, participate in physical therapy, or complete any other actions as directed might hinder your recovery.

If this happens, the insurance company or negligent party could claim that your injuries were not as serious as you originally stated or that they are no longer responsible for your medical condition since you did not follow the advice to help you get better. Instead, follow your doctor’s orders closely, though your medical treatment typically is your decision.

4. Not Documenting the Accident Scene

In some cases, documenting the scene of the injury can be useful as you attempt to establish liability. This may involve taking photos and videos of the accident scene, writing down the contact information for any witnesses of the accident, and otherwise recording the cause and aftermath of the accident. 

Once you leave the scene of a personal injury incident, valuable personal injury claim evidence may become lost. Any documentation you can collect might prove helpful later on. 

5. Posting on Social Media About the Accident

Personal injury accidents are often life-altering events, and it may feel natural to share about your accident on social media. You want your friends and family members to stay in the loop about your recovery and provide any support they can. But posting about your accident on social media is one of the biggest mistakes to avoid in a personal injury claim. 

The defense may monitor your social media profiles for anything that goes against what you stated in your claim. For instance, you might share a hopeful post stating that you are recovering well or feeling better; the defense could use this as evidence that your injuries are not severe. 

6. Agreeing to Recorded Statements With the Insurance Adjuster

In the initial stages of your personal injury claim, you might assume that the insurance adjuster is on your side. When they call you to gather information about the claim, you might not hesitate to agree to give a recorded statement. 

However, statements you make to the adjuster may be used against you during a claim evaluation and litigation. You may want to consult with a lawyer regarding giving statements such as this. 

7. Accepting the First Settlement Offer

If the defendant offers to settle out of court, you might feel like you have won your case and be tempted to accept the first settlement offer they provide. However, settlement discussions provide a viable opportunity to negotiate a higher offer and potentially secure a more favorable settlement amount.

You may not want to accept the first settlement offer you receive, and instead allow your attorney to negotiate on your behalf. Insurance companies are motivated to settle out of court to avoid the expense and hassle of a lawsuit, so the defendant or insurance company in your case might be willing to increase their offer. 

8. Not Hiring an Experienced Attorney

Another one of the biggest mistakes to avoid in a personal injury claim may be not hiring an experienced attorney to represent you. Initially, your case might feel straightforward, especially if you have a significant amount of evidence in your favor. This may lead you to believe that you can handle the legal process alone or that your family’s attorney can represent you, even if they do not have experience with personal injury claims. 

However, it may be in your interest to hire a seasoned personal injury attorney who has experience with your type of accident case. They may be able to help you avoid mistakes like missed deadlines, inadequate documentation, delayed medical treatment, and more, providing legal representation and guidance throughout your claim. 

Request a Consultation With Jackson & Foster Law 

Understanding the mistakes to avoid in a personal injury claim can lower your chances of a personal injury claim rejection and improve your chances for an adequate payout. At Jackson & Foster Law, we have nearly 40 years of experience representing personal injury victims in Mobile, AL. 

We provide focused, affordable representation to support clients throughout the compensation process. Contact us today at 251-433-6699 for a free consultation with our personal injury attorneys. 

Why Do Personal Injury Claims Get Rejected? Learn How To Avoid Claim Denials 

When you file an insurance claim after a personal injury accident, you expect to receive your compensation and move on. But the process isn’t always this simple. 

Insurance companies reject personal injury claims for numerous reasons. They may request more information about your claim before they can make a decision, or they may deny it altogether, barring you from gaining compensation through this process. 

Understanding why personal injury claims are rejected — and how to avoid it — can streamline and simplify your insurance process. Learn more from an experienced personal injury lawyer in Mobile, AL.

When Are Insurance Companies Allowed To Reject Claims? 

Is it lawful for insurance companies to reject claims? Yes — as long as they have a valid reason for doing so. 

Insurance companies must investigate all claims to ensure that they meet the terms of the policy. They have the right to deny a claim that does not fall under the policy’s covered items. Sometimes, an insurer may reject a claim, then eventually accept it once you provide further information.  

But insurers occasionally reject claims under “bad faith” practices. This occurs when an insurance company intentionally violates its contractual obligations to a policyholder, such as by: 

  • Rejecting a valid claim
  • Delaying a claim beyond a reasonable timeline
  • Offering less money than a claim is worth
  • Falsifying information to justify the claim denial

Common Reasons for Personal Injury Claim Rejections 

Outside of bad faith insurance practices, an insurance company may reject a claim for several valid reasons. When an insurer rejects your claim, it will typically send you a written notice of the rejection along with the reason behind it. These are a few common reasons insurers reject personal injury claims: 

  • Insufficient evidence: An insurance company may need more evidence before it can agree that its policyholder was responsible for your accident or that the accident falls under the policy terms. Providing further evidence may increase your chances of approval. 
  • Disputed liability: An insurance adjuster may deny your claim if they believe their policyholder was not responsible for the accident or that you were even 1% responsible (under Alabama’s contributory negligence doctrine).
  • Policy exclusions: An insurance policy may exclude certain types of personal injury accidents. For example, some policies exclude intentional acts. They may also exclude accidents that happened on watercraft or aircraft. 

Your personal injury attorney can review your claim denial notice and determine what information the insurer needs to approve your claim. 

How To Avoid an Insurance Claim Rejection and Increase Your Chances of Securing Compensation 

Insurance claim rejections can be a huge headache as you attempt to seek compensation for your accident injuries. 

Knowing how to avoid denials of personal injury claims can help you streamline your compensation and increase your chances of securing adequate compensation to cover all your economic and non-economic damages. These are a few tips you can follow to avoid claim rejections. 

File Your Claim As Soon As Possible 

Plan to file your insurance claim as soon as you can. Doing so can help you avoid missing any deadlines the policy has set. You’ll also have access to fresh evidence that you can use to support your claim. 

You may have a more challenging time proving the policyholder’s negligence weeks or months after the accident, when your injuries have begun to heal and the wreckage from the accident has been cleared away. 

Provide Substantial Evidence To Support Your Claim 

The strongest personal injury claims have extensive evidence to back them up. You may want to provide all of the following evidence with your claim, if you can: 

  • Copies of all medical records relating to your injuries from the accident
  • Photos and videos of the accident scene
  • Repair estimates for any physical damage
  • Testimonies from witnesses to the accident

Follow Up With the Insurer About If They Need More Information 

If you haven’t heard back from the insurance adjuster, you may want to reach out and request an update about your claim. Ask if the insurer needs any additional information to approve the claim. This may prompt them to investigate the claim further rather than simply rejecting it. 

All of the information in these sections may depend on whether you’re dealing with your insurance company, another party’s insurance company, and what the language in the policy actually says. 

Bolster Your Personal Injury Claim With Jackson & Foster Law 

One of the strongest ways to avoid personal injury claim denials is to hire skilled legal representation to support your claim. An experienced personal injury attorney can take care of the claims process for you while you focus on your physical recovery. They can help you seek special or general damages and maximize your payout while handling all communications with the insurer and the at-fault party. 

Do you need assistance navigating personal injury claims? Contact Jackson & Foster Law today at 251-433-6699 for a consultation in Mobile, AL.