After a personal injury claim is denied, you might feel uncertain about your next steps. At Jackson & Foster Law, we may be able to assist those who find themselves in this situation. Connect with us when you need a personal injury lawyer in Mobile, AL, to see if we can help you review your options.
Determine Why the Claim Was Denied
An insurance claim denial may occur for several reasons. The insurance provider could cite the following issues as the reason for the denial:
- Insufficient evidence
- Fault disputes
- Delayed medical treatment
- Policy coverage exclusions
If you receive a denial letter from the insurer, review it carefully to identify the reason behind their decision. Uncovering the primary issue with your initial claim can help you understand the process.
Collect More Evidence Supporting Your Claim
After having a personal injury claim denied, victims of a car accident, slip-and-fall, or other negligent incident may assume that they can’t dispute the decision. It’s possible to contest an insurance company’s denial, though claimants may need to gather more evidence in an effort to recover compensation.
If you mention the same evidence as your original claim in your appeal, the insurance provider might not reverse their decision. You may need to collect relevant new information for review. In addition to your previously submitted documents, you may need to try to gather new information related to your injury, such as:
- Medical records
- Police reports
- Witness statements
- Professional testimony
Documents like police reports and witness statements may help establish fault after an accident. If you provide the insurer with tracked economic damages, such as injury-related medical bills, it can determine the case’s potential worth.
Consider Taking Legal Action With a Personal Injury Lawsuit
After having a personal injury claim denied, you may choose to seek legal counsel. A personal injury attorney can review the nature of the accident and the scope of your case and assist you with contesting the insurance company’s decision.
Professionals working in this area of law may help those who suffer an injury due to someone else’s negligence, including instances like:
- Car accidents
- Truck or commercial vehicle collisions
- Slip-and-fall incidents on poorly maintained property
- Dog bites
- Workplace accidents
You may want to review the details of your case with a lawyer and let them guide you through the process.
Filing a suit against the defendant may lead the insurance company involved to consider a settlement, depending on the circumstances. A personal injury attorney can present relevant evidence and negotiate with the defendant’s or insurer’s counsel in pursuit of a settlement.
What Types of Compensation Could You Recover in a Personal Injury Case?
Personal injury lawsuits differ for each victim’s unique situation, which impacts the type of damages their lawyers aim to recover. If you’re seeking financial compensation after an accident, you may want to evaluate your case’s details with a knowledgeable attorney. They can calculate economic and non-economic damages to negotiate a reasonable settlement sum.
When you have a personal injury claim denied by an insurance provider, they could refuse to pay any damages in the form of a settlement. Taking legal action is an alternative way to seek compensation, including:
- Medical expenses: You could face rising medical costs after an accident. Suing the negligent party could provide an opportunity to reimburse you for your treatment costs.
- Property damage: When personal property becomes damaged in an accident, victims can argue for compensation to repair or replace it. Property damage costs may extend to dented vehicles due to a collision.
- Lost wages: An injury may leave you with a diminished earning capacity. If you’re losing income due to your injury, an attorney can determine if you should seek compensation through a lawsuit.
- Emotional distress damages: After having a personal injury claim denied, consult a lawyer about seeking emotional distress damages for your experiences resulting from the accident. This is compensation for a change in someone’s mental well-being related to an accident caused by someone else’s negligence.
- Punitive damages: In cases involving egregious behavior from the at-fault party, the plaintiff could receive punitive damages. An example of this might be additional payments from a drunk driver who injures another motorist or pedestrian.
Consult a Personal Injury Attorney From Jackson & Foster Law
If your personal injury claim is denied, you may want to hire a personal injury lawyer and file a lawsuit. At Jackson & Foster Law, we can help claimants explore their legal options. Do you have the grounds to file a personal injury suit?
Call (251) 433-6699 or submit our online form to request a free case evaluation.
