Fight Back If Your Insurance Claim Is Denied?

You’ve paid your premiums. You followed the rules. But your personal injury claim just got denied. Now what? Before giving up, a bicycle accident lawyer wants you to know this: a denial isn’t always final — but how you respond depends on the size and complexity of your claim.

Why Insurance Companies Deny Claims

There are a variety of reasons insurers might reject a claim, including:

• Missed deadlines or incomplete paperwork
• Disputes over who was at fault
• Gaps in medical treatment
• Pre-existing conditions

Don’t take it personally: Insurance companies look for any reason to deny a claim. Their goal is to protect their bottom line, especially when a serious injury is involved. Small claims for minor property damage or simple medical bills might be easier to resolve on your own. But when significant injuries, long-term treatment, or lost wages are part of the equation, insurers will fight hard to minimize their payout as our friends at Mickey Keenan P.A. have seen far too often.

How To Appeal A Denied Claim

If you believe your claim was denied unfairly, you may have the right to appeal. This typically involves submitting additional documentation, such as:

• Medical records and itemized bills
• Accident or police reports
• Witness statements
• Photographs or videos of the accident scene or injuries

You might also need to write a formal appeal letter (sometimes called a “demand letter”) outlining why the denial was incorrect. This process can be daunting, and insurance companies often count on people giving up before it’s complete.

When To Involve An Attorney

If your injuries are serious, you’re facing high medical expenses, or your appeal was already denied once, it’s time to bring in an attorney. Insurance companies have legal teams — so should you. An experienced personal injury lawyer will:

• Investigate the true cause of the denial
• Help you gather and organize evidence
• Negotiate aggressively on your behalf
• Take your case to court if necessary

You don’t need to wait until after your claim is denied to seek legal help. In fact, getting an attorney involved early — especially in serious injury cases — can help avoid denials in the first place. Your lawyer can ensure the proper documentation is submitted from the start and communicate with the insurer to prevent missteps.

You Can Still Fight Back

If your claim has been denied, don’t assume the decision is final. You may have a path forward — but it depends on understanding your rights, the type of claim you’re pursuing, and how much is at stake. For simple cases, you may be able to resolve the issue yourself. For anything involving significant injuries, it’s in your best interest to get a legal team involved from day one.

Insurance companies are quick to deny and slow to pay — especially when large settlements are on the line. If your claim has been denied or you’re worried it might be, don’t wait. A lawyer will help you challenge unfair decisions and protect the compensation you deserve from the very beginning. Contact an attorney near you today.