By Jacob Maslow
Lakewood is the most populous town in Ocean County, NJ, United States. In 2021, 3,949 accidents occurred in Lakewood, according to recent data from the Department of Transportation. As much as we may try to avoid them, accidents are an inevitable part of life. Whether it’s a car accident, slip and fall, or medical malpractice incident, there is a risk of serious injuries that require medical attention. In such cases, many people rely on their insurance carriers to cover the cost of their injuries.
However, despite paying premiums faithfully for years, there are instances where an insurance company may deny your personal injury claim. This can be a frustrating and stressful experience. In such instances, a Lakewood personal injury lawyer can assist you in understanding your rights and fighting for fair compensation.
Let’s explore five reasons why an insurance company may deny your personal injury claim in Lakewood.
Failure to Seek Medical Attention Immediately
One of the most important steps after an accident is seeking medical attention. Getting checked by a doctor is important, even if there is no immediate pain or discomfort. You may be unable to get compensation for your injuries if you delay medical treatment, which can be used against you by your insurance company.
Lack of Sufficient Evidence
Insurance companies need evidence to support your claim; they may deny your request without it. This evidence can include medical records, police reports, testimony from witnesses, and photographs of the accident site. Gathering as much evidence as possible to strengthen your case is essential.
Pre-Existing Conditions
If you had a pre-existing condition before the accident, the insurance company may argue that the incident did not cause your injuries. They may also claim that your pre-existing condition contributed to the severity of your injuries, resulting in a lower payout or a complete denial of your claim.
Missed Deadlines
Insurance companies are known for setting strict deadlines for filing personal injury claims. If you miss these deadlines, they may use it to deny your claim. Being aware of these deadlines and filing your claim promptly to avoid any potential issues is crucial.
Discrepancies in Your Statements
Insurance companies will ask for statements from both parties involved in the accident during the claims process. If there are discrepancies in your statement or they find that you have provided false information, they may deny your claim. Being honest and consistent in your statements is crucial throughout the process.
To avoid these common reasons for denial, it’s essential to understand your insurance policy and seek legal guidance if necessary. In addition, here are some tips that can help strengthen your personal injury claim:
- Make sure you keep track of all the medical expenses resulting from the accident, including doctor visits, medication costs, and rehabilitation expenses.
- Keep a record of any lost wages due to your injuries.
- If possible, take photos or videos of the accident scene.
- Get statements from any witnesses who saw the accident occur.
- You should seek advice from an experienced personal injury lawyer for legal counsel and representation.
With these steps, you can have a better chance of accepting your personal injury claim and receiving the compensation you deserve. Remember, insurance companies are looking to protect their bottom line, so it’s essential to be proactive and thorough in building your case.
Stay Ahead!
While it can be frustrating and confusing to have your personal injury claim denied, learning the reasons for the denial and taking proactive steps can help you win your case. Remember to prioritize your health and seek legal guidance if you encounter any issues during the claims process.
So, stay safe and be prepared for any potential accidents that may occur in the future. In spite of accidents happening to anyone, if you have the right knowledge and support, you can overcome any challenges that may come your way.
Disclaimer: This article is for informational purposes only and is not intended as legal advice. Information may not be current or applicable across all jurisdictions and should not be acted upon without seeking professional counsel. The author and publishers disclaim any liability for actions taken in reliance on this content. For legal advice specific to your situation, please consult a qualified attorney.
Published by: Holy Minoza
