How Insurance Companies Try to Deny or Reduce Car Accident Claims

Don’t be fooled. Car insurance is a for-profit business, not a public service. Though required under Kentucky law, motor vehicle insurance providers want to minimize their financial losses, not maximize your benefits. Adjusters often deny valid claims to reduce their company’s liability after serious car accidents, but the experienced Louisville car accident attorneys at Wilt Injury Lawyers know their tricks.

Let us defend you when liable insurers deny or reduce your car accident claims. You might even be entitled to additional compensation.

Common Reasons Car Insurers Deny Valid Injury Claims

Insurance adjusters have a book of tactics for denying claims after devastating car crashes. The most common ‘reasons for denial’ include the following:

• Missed filing deadlines: Insurance companies have the right to deny late claims, but there are exceptions to this rule if you are incapacitated due to your injuries.
• Insufficient evidence: To prevent fraud, you must submit valid medical records, photographs, police reports, and other requested documents to support your claims.
• Contractual policy exclusions: Insurers may deny otherwise valid claims if the accident resulted from certain non-covered events, such as vehicle theft or intoxicated driving.
• Liability: Adjusters may deny claims if they believe their insured was not liable for the accident.
• Coverage limits: Every auto insurance policy has a payout limit per accident. If multiple people were injured, insurers may deny coverage if they’ve already paid out the policy maximum.

You have the right to challenge coverage denials in Kentucky, but you must do so quickly. Experienced legal professionals can help you reverse insurance claims denials and submit necessary supporting evidence after a car crash.

Insurance Tactics for Reducing Liability After Louisville Car Accidents

If adjusters cannot deny the validity of your claim, they will try to reduce your claim’s overall value. They do this by alleging that you or another party contributed to the accident or denying the severity of your injury. For example, the liable insurance company in a rear-end collision may allege that you stopped short before the accident, thus rendering you 50% at fault for your injuries. They will then attempt to reduce your claim’s overall value by half under comparative fault principles.

If the fault is clear, such as when innocent passengers or pedestrians are injured, car insurers will attempt to minimize the severity of your injuries. They may refuse to pay for household help because your injuries are not serious enough or claim you are not entitled to the full value of your lost wages. These are very common insurance tactics seen in most motor vehicle accident cases.

Get Legal Help to Prevent Unlawful Car Insurance Claims Denials and Maximize Payouts

Most car accident cases in our Louisville office involve one or more of the above tactics. We know how to handle auto insurers at Wilt Injury Lawyers. Let our experienced legal team fight unlawful insurance denials to obtain a fair payout in your case. Schedule your free, no-risk claims analysis today by contacting us today.