How Insurance Companies Deny Injury Claims

The aftermath of a car crash can be daunting. Whether it’s coping with long-term physical injuries or dealing with financial difficulties, victims are forced into difficult situations to pick up the pieces following an injurious car accident. Negotiating with insurance companies can arguably be the most difficult part of a serious car accident.

Some insurance companies may fight an injury claim after your collision, although injuries can still occur in minor car accidents. That’s why it’s important to know how to negotiate with insurers in the aftermath of a crash.

If you’ve sustained injuries in a car accident in Arizona and want to file a claim, contact the Phoenix car accident lawyers at ELG. Our team of auto accident lawyers is here to help you safeguard your legal rights and negotiate with insurance companies after an accident.

Denial of Claim Based on Your Credit Report

You most likely know that insurance companies determine your premium that you’ll pay based on your credit score. Due to a bad credit score, some can’t even get insurance. From the insurance company’s point of view, they are a high liability. Mostly, this type of discrimination is affecting the poor and senior citizens since they have a little credit and also those that had a financial crisis because of someone else.

Insurance companies have also often refused someone a policy because they have no credit score. This may occur even though the person is paying his / her bills on time. On the other hand, some car owners have received a rate that is increased by several times, even though they have a clean and perfect driving record.

Delaying Your Claim

It’s hard, but it’s important to remain patient during the settlement process. You or your attorney will begin the process by sending a demand letter, which will include your desired settlement amount. Keep in mind that it can take multiple conversations with insurance adjusters to settle your claim.

It’s not uncommon that insurance companies deliberately take a long time to finalize your claim. They do this because they are aware that many policyholders would rather give up than wait. And it’s not uncommon that long-term care insurers take advantage of a policyholder’s age and poor health.

This process could take months. And though it may be tempting to take the first offer, you should avoid accepting this initial offer. An adjuster may try to convince you that an attorney won’t litigate smaller car accident cases due to their lower valuation and the expense to file. In other words, an insurance adjuster will also try to make a lower offer to settle your case. No matter the offer, you should consult your attorney to review the terms.

Injury Accident Attorney in Phoenix

The best way to ensure your accident claim is successful is to consult with a well-versed Phoenix-based lawyer after an accident. Your lawyer will help you organize the facts of your case and act as a liaison to insurance companies. Collaborating with your attorney on these issues will help make your recovery process smooth and stress-free after an accident.

Contact our Phoenix injury lawyers at ELG today at (623) 877-3600 for a free, no-hassle consultation.