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What are My Rights if the Insurance Companies Won’t Pay for My Injuries?

by  on  News & Resources

You were injured in an auto accident, and there is no question in your mind that the other driver was to blame. You contacted the insurance companies and sought medical treatment promptly, and now your medical bills are piling up as the insurance companies continually refuse to pay. What can you do to collect the financial compensation you need and deserve?

Unfortunately, this type of scenario is all too common. Particularly when accident victims choose to deal with the insurance companies without the benefit of legal representation, health and auto insurers routinely deny victims’ claims for policy coverage and personal injury compensation.

Enforcing Your Legal Rights After an Auto Accident in Denver

Are you being stonewalled by the insurance companies after an auto accident in Denver? If so, here’s what you need to know:

1. Insurance Coverage is a Complicated Subject

What many people do not realize is just how complicated the matter of insurance coverage truly is. While we all expect to receive payments to which we are entitled – particularly from our own insurers – the reality is that insurance companies will often have valid reasons to dispute policyholders’ and accident victims’ claims for coverage. The insurance companies will not pay unless they are convinced that they owe, and convincing them often requires extensive factual evidence and sound legal arguments in support of liability.

2. Insurance Adjusters Make Mistakes

Insurance adjusters are people, and they make mistakes just like everyone else. If your insurance company or the at-fault driver’s insurance company is refusing to pay money that is clearly owed, this could be a matter of a mistake or misunderstanding. With a tactful approach and the right evidence in hand, you may still be able to secure compensation without resorting to litigation.

3. Insurance Companies Engage in Bad Faith

But, while some insurance denials are the result of legitimate mistakes, a significant number of denials are a result of insurance bad faith. Bad-faith insurance practices are common, and range from refusing to investigate the scene of an accident to intentionally misrepresenting the terms of a customer’s policy. If you are being mistreated by an insurance company, you may be entitled to compensation above and beyond your medical bills, loss of income, pain and suffering, and other accident-related losses.

4. An Experienced Attorney Can Help

Regardless of the issue at hand, successfully dealing with the insurance companies after an auto accident will often require experienced legal representation. In addition to determining why the insurance companies are denying your claim, an experienced attorney will also be able to:

  • Calculate the full extent of your financial and non-financial losses
  • File a lawsuit demanding payment
  • Negotiate a settlement that protects your rights
  • Take legal action to protect you against insurance bad faith

Schedule a Free Initial Consultation Regarding Your Auto Accident Claim

Are you struggling to secure insurance coverage for injuries you sustained in an auto accident? If so, our experienced accident lawyers can help. To get started with a free and confidential consultation, call our Denver law offices at 303-333-8000 or tell us how we can help online today.