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Why are Car Accident Claims Denied?

Even though it seems like proper procedures have been followed when submitting a car accident claim, insurance companies still reject them. When this happens, victims can be left without compensation for their injuries and property damages. These denials are not uncommon, and there are reasons why companies turn these claims down.

Refusing Medical Attention

Oftentimes, car accident victims refuse to seek medical attention at the scene or postpone it. Not all injuries present themselves immediately and can worsen with time, so attending to them right away is imperative. Having medical records to support that the injuries were a direct result of the crash is the best form of documentation. Otherwise, an insurer might argue that the injuries happened afterward or that the victim was trying to exaggerate their condition.

Lack of Evidence

When crashes occur, one or both parties might hesitate to contact authorities. This can be a mistake, since insurance companies may become involved if one party decides to contact them afterward. It is a good idea to contact the police and request an accident report after they appear at the scene.

Some states do not require a report unless there are injuries or significant property damage. Regardless, obtaining evidence at the scene can help a case. Speaking to witnesses, taking pictures of the crash scene, exchanging driver’s license and insurance information, and getting pictures of the car’s plates can help.

Other reasons insurance companies deny claims include if they believe that it was avoidable, if a driver says the wrong thing to the company, or if there are issues with the policy. In some cases, companies avoid paying simply to increase their profit.

Appealing Denied Claims

When accident victims wish to dispute a denial, they are within their right to do so. It is important to read the insurance policy to understand how to follow an appeal. The next step is to put it in writing by contacting the insurer, explaining the mistake, and offering documentation.

If this does not provide satisfactory results, an appeal can be made to the State Insurance Commissioner; another choice is to file a suit against the insurance company. In the meantime, if they send a premium refund check, it should not be cashed since this can show that the claim denial was accepted.

Pennsylvania Laws

In Pennsylvania, motorists that have no-fault insurance usually must file claims under their personal injury protection (PIP) coverage to be compensated for damages and medical bills. Pennsylvania also has a statute of limitations for starting lawsuits, and this applies to personal injury cases. If the claimant does not bring a suit within two years, it is likely that their case will be dismissed.

West Chester Car Accident Lawyers at the Law Office of Deborah M. Truscello Help Victims Fight Car Accident Claim Denials

If you need experienced legal guidance with a claim denial, contact the West Chester car accident lawyers at the Law Office of Deborah M. Truscello today. Complete our online form or call us at (610) 892-4940 for a free consultation. Located in Media, Pennsylvania, we help clients throughout Bucks County, Chester County, Delaware County, Lancaster, Montgomery County, Norristown, Philadelphia, Reading, and West Chester.

Contact the Law Office of Deborah M. Truscello

To discuss your case in a free, confidential consultation with attorney Deborah M. Truscello, Esq., call or fill out the form below. 

From our office located in Media, PA we serve the surrounding areas of

  • Bucks County
  • Chester County
  • Delaware County
  • Montgomery County
  • Philadelphia County
Including but not limited to
  • Allentown
  • Lancaster
  • Reading
  • West Chester

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Reasonable Rates & Fees

For Personal Injury, Workers’ Compensation and Social Security Disability cases, we have a contingency fee based on a percentage of what we obtain for you. We will not charge you any fee unless and until we settle your case, prevent the loss of your benefits or obtain benefits for you. 

For Family Law clients, we understand that financial difficulties often accompany divorce and other family law issues. Ask us about our reasonable and competitive hourly rates for your situation. 

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Why Clients Choose Deborah

Heather A
I have known Deb for years now and it all started in 2009 when I got hurt and needed legal help with my workers comp. I randomly chose Deb because of the things I read on her website and I liked that she had a take charge attitude about just about everything. She out-lawyered someone and got me more in a settlement for that and then also worked with me on another case and won that one as well for me. If you get to know Deb and her personal story, you will get to know an amazing single mom who has had her own struggles and has come out so much stronger. She will fight for you if you do your part as a client and follow her guidance. I have now used two women lawyers in Media and three men and I actually found the two women far more effective and both won my cases that the men lost. Without Deb and my other lawyer winning the cases for me that they did - I could have found myself disabled for good with no money to pay for the life I live because I can’t work now. I credit my ability to be able to eat and have transportation and all. I couldn’t be more grateful for their hard work they did for me. Deb has won two of my cases and I would absolutely refer others to her for the same kinds of cases and I would use her again if I ever needed her help again!
Daveen Carpenter
Deborah's team went above and beyond to get my case settled quickly. I am forever grateful
Rebecca Porter
If you ever need a worker’s compensation attorney, I highly suggest using Deborah Truscello. I had a work accident injury and was referred to Deborah. She was with me every step of the way, with this long-drawn-out process. She was there any time I had questions or needed advice on my rehabilitation. Now my case is settled. I am very happy how things turned out and I owe it all to her. I can't thank her enough. I will use her again if I ever need too.
Jackson Jones
Deborah is an excellent lawyer. She was professional, knowledgeable, and made me and my case feel important. She was always accessible and answered all of my questions. I would definitely recommend Debbie to anyone injured at work and in need of legal services.
I am a client of Deborah Truscello and also a woman of color. Deborah Truscello is not a bigot nor is she a racist. I hired Ms. Truscello back in 2016 for a very nasty custody case against a crazy man who has a history of dragging all his children through the court system. Ms. Truscello has been nothing but professional and well organized. She is very reliable and always available. I could contact her any time of the day or night and she is always responsive to my text messages, calls, and emails. If you are considering hiring her as your attorney I highly recommend you schedule a consultation and see for yourself you will not be disappointed.
Andrew Kriegh
Amazing law firm, they have helped me so much and enlightened me to the options I have, and to the right doctors who are still treating my issues... Very professional and very great people glad to have her in my team!!

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