The defendant's insurance provider evaluates every personal injury claim and will look for reasons to reject or devalue the claim. Unfortunately, insurance companies do not want to pay out on claims, so they will do their best to avoid it! That's why you need a qualified personal injury lawyer in Knoxville to talk to insurers on your behalf and present a solid case to support your claim. Understanding these common reasons can help you and your lawyer prepare a stronger case, ensuring you receive the compensation you deserve.

Common Reasons Why Personal Injury Claims Are Rejected

Every personal injury claim is evaluated by the defendant's insurance provider, who will look for reasons to reject or devalue the claim. 3 The unfortunate truth is that insurance companies do not want to pay out on claims, so they will do their best to avoid it! That's why you need a qualified personal injury lawyer in Knoxville to talk to insurers on your behalf and present a strong case to support your claim. Some of the most common reasons why insurers will reject a personal injury claim include:

  • The type of accident you were injured in is not included in the defendant's insurance policy coverage.
  • The insurance policy had expired at the time of the accident.
  • There is insufficient evidence to prove that the insured person was the one at fault.
  • The location of the accident is outside of the insurance policy's coverage.
  • The insurer believes there is no link between your injuries and the accident.
  • The individual responsible for the accident does not fall under the insurance policy's coverage.

It is important to note that even if an insurance company initially denies your claim, you still have the right to pursue compensation against the person who caused your injuries and their insurance provider. Your personal injury lawyer in Knoxville will discuss this with you and guide you through the next steps.

How to Avoid Rejection of Personal Injury Claims

  • Report the Incident - When you are injured, you must report an accident to the appropriate authorities and the property owner as soon as possible. If you do not report it immediately, it can call into question the legitimacy of your claim. In some cases, it can also result in loss of evidence. For example, if CCTV is recorded at the end of each week and you have yet to report an accident, the footage may be lost.
  • Seek Medical Attention - Even if your injuries are minor, you should seek medical attention and have them appropriately documented. Some injuries, like internal bleeding or head trauma, may not manifest immediately, and failing to treat them can jeopardize your health. It can also make linking the injury directly to the accident more challenging if you wait several days to seek medical advice.
  • Preserve Any Evidence - Your personal injury lawyer in Knoxville will want as much evidence as possible to support your claim, so it is important to preserve evidence wherever possible. This might include photographing your injuries and the scene of the accident. You should also gather contact information for any witnesses and get copies of police reports and medical records.
  • Work With An Experienced Personal Injury Lawyer in Knoxville - One of the best decisions you can make to help avoid a personal injury claim being rejected is to work with an experienced personal injury lawyer in Knoxville who is well-versed in handling this type of lawsuit. They can guide you through submitting a claim that is likely to be upheld.
  • Be Wary of Insurance Company Tactics - As we have already noted, insurance companies do not like parting with their money! That means they are renowned for employing a variety of tactics to minimize payouts or deny claims completely. This ranges from lowballing the settlement offer to disputing the severity of your injuries. It is always best to approach any interaction with the insurance company with caution - or, better still, have your personal injury lawyer in Knoxville handle all communication on your behalf.
  • File Your Claim in a Timely Manner - If you fail to file your claim before the statute of limitations expires, it is often rejected automatically. In Tennessee, the statute of limitations is usually one year from the date of injury or discovery.
  • Document All Economic Damages - It is important to document all of the expenses and economic losses you suffer from your accident to claim the appropriate damages. This includes medical expenses, loss of income, property damage, therapy sessions, mobility aids, and adaptations to your home. Collecting receipts, pay stubs, and invoices will strengthen your claim, reducing the risk of it being rejected.

What To Do If Your Claim is Rejected

If your personal injury claim is rejected, it is easy to get disheartened and give up. However, this is not the end of your claim. There are steps that you and your personal injury lawyer in Knoxville can take to move forward. Start by requesting a written denial from the insurer, which details the reason for the rejection and refers to the parts of the policy that would justify the rejection. Once you have this document, your lawyer can work on challenging the denial.

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Butler, Vines and Babb is a leading law firm in Knoxville, TN, with extensive litigation experience in Medical Malpractice Law, Birth Injury LawTrucking Accident LawPersonal Injury Law, and Business Law. Contact us today at www.bvblaw.com or call 865-637-3531.

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