What to Do If Your Denver Personal Injury Claim Is Denied

By Your Health Magazine

Filing a personal injury claim is supposed to help cover medical bills, lost wages, and other costs after an accident. But insurance companies don’t always approve claims, even when they seem straightforward. Getting a denial can be frustrating, especially when you’re already dealing with pain and financial stress.

The good news is that a denial isn’t the end of the road. There are a few steps you can take to challenge the decision and fight for the money you deserve. If your claim was denied, schedule a consultation with a Denver injury lawyer to discuss your options.

Why Insurance Companies Deny Claims

Insurance companies often try to avoid paying claims, and they have plenty of reasons for saying no. Knowing why yours was denied can help you figure out what to do next.

One of the most common reasons is lack of evidence. If there isn’t enough proof that the other person was at fault or that your injuries are serious, the insurance company may reject your claim. That’s why having medical records, accident reports, and witness statements is so important.

Sometimes, insurance companies argue that the accident isn’t covered under the policy. They might claim your injuries aren’t serious enough, or they could say you had a pre-existing condition. They might also deny your claim if you waited too long to file it.

What to Do if Your Claim Is Denied

A denial doesn’t mean you’re out of luck. There are things you can do to fight back and try to get the money you’re owed.

Read the Denial Letter

Start by carefully going over the denial letter from the insurance company. It should explain why your claim was rejected. If the reason isn’t clear, call the insurance company and ask for more details.

Gather More Evidence

If your claim was denied because of a lack of proof, try to collect more documents to support your case. This could include:

Medical records that prove the extent of your injuries
Photos or videos from the accident
Statements from witnesses
Proof of lost wages from your employer

File an Appeal

Most insurance companies let you appeal a denied claim. This means you can submit a formal request for them to take another look, along with any new evidence you’ve gathered. Be sure to check the deadline for appeals since missing it could mean you lose your chance to fight the denial.

Try Mediation or Arbitration

If the insurance company still won’t budge, you might be able to settle the dispute through mediation or arbitration. These are legal processes where a neutral third party guides both sides come to an agreement. In some cases, this can lead to a fair settlement without going to court.

When to Call a Denver Personal Injury Lawyer

If your claim was denied, getting a lawyer involved can make a big difference. A legal expert knows how to push back against unfair denials and build a strong case on your behalf.

A Denver personal injury lawyer can also handle all communication with the insurance company so you don’t accidentally say something that could hurt your case. They’ll make sure all paperwork is filed correctly and on time, and if needed, they can take the case to court to fight for you.

Better chances of approval: Lawyers know how to handle insurance company tactics.
Accurate claim value: An attorney makes sure you ask for the right amount of money.
Protection from unfair treatment: A lawyer can stop the insurance company from taking advantage of you.
Court representation: If needed, a lawyer can take your case to trial.

Don’t Wait to Take Action

Getting a denial letter doesn’t mean you have to give up. With the right help, you can challenge the decision and work toward getting the money you need. If your claim was rejected, talk to a Denver personal injury lawyer as soon as possible. The sooner you act, the better your chances of getting the compensation you deserve.