Can You Still Pursue Compensation After an Accident If the Insurance Company Denied Your Claim?

Being involved in an accident is stressful enough, but when an insurance company denies your claim, it can feel like your world has been turned upside down. Many accident victims believe that an insurance denial means the end of their pursuit of compensation, but this simply isn’t true. You have several legal options available to challenge the decision and fight for the compensation you deserve.

At The Law Firm of Chaile Allen, attorney Chaile Allen understands the frustration and financial strain that comes with a denied insurance claim. With 15 years of experience handling personal injury cases throughout West Texas, Chaile Allen helps clients navigate the complex process of overturning insurance denials and pursuing alternative avenues for compensation.

Understanding Why Insurance Companies Deny Claims

Insurance companies may deny claims for various reasons, and understanding these reasons is crucial to building a strong case for appeal or litigation. Common reasons for denial include disputed liability, where the insurance company argues its policyholder was not at fault for the accident. They may also claim that your injuries are not severe enough to warrant compensation or that your medical treatment was unnecessary or excessive.

Policy coverage disputes represent another frequent reason for denial. The insurance company might argue that the type of accident or injury is not covered under their policy. Additionally, they may claim you failed to report the accident within the required timeframe or provided insufficient documentation to support your claim.

Your Options After an Insurance Denial

When faced with a denied claim, you have several paths forward. The first step typically involves filing a formal appeal with the insurance company. This process requires submitting additional evidence, medical records, and documentation that supports your claim. Many denials are overturned during the appeals process when presented with compelling evidence.

If the appeal is unsuccessful, you may consider filing a lawsuit against the at-fault party. This legal action is separate from the insurance claim and allows you to seek compensation directly from the person responsible for your accident. Filing a lawsuit may also prompt the insurance company to reconsider its denial and offer a settlement.

Another option involves filing a bad faith insurance claim if you believe the insurance company acted unreasonably in denying your claim. Insurance companies have a duty to investigate claims fairly and pay valid claims promptly. When they fail to meet this obligation, they may be liable for additional damages beyond your original claim.

Building a Strong Case After Denial

Successfully overturning an insurance denial requires thorough preparation and compelling evidence. Gathering comprehensive documentation is essential to demonstrating the validity of your claim and countering the insurance company’s reasons for denial.

Essential evidence for challenging an insurance denial includes:

• Police reports that document the accident scene and preliminary fault determinations
• Complete medical records from all healthcare providers who treated your injuries
• Diagnostic test results, including X-rays, MRIs, and CT scans that show injury severity
• Witness statements from people who saw the accident occur
• Photographs of the accident scene, vehicle damage, and your injuries
• Employment records showing lost wages and reduced earning capacity
• Bills and receipts for medical treatment, rehabilitation, and other accident-related expenses

Working with accident reconstruction professionals can help establish fault when liability is disputed. These professionals analyze the accident scene, vehicle damage, and other evidence to provide an objective assessment of how the accident occurred and who was responsible.

The Importance of Acting Quickly

Time is a critical factor when pursuing compensation after an insurance denial. Texas has a two-year statute of limitations for personal injury claims, meaning you must file a lawsuit within two years of the accident date. Waiting too long to take action may result in losing your right to pursue compensation entirely.

Insurance companies are aware of these time limits and may use delay tactics to run out the clock on your claim. The sooner you begin building your case and exploring your legal options, the better your chances of success. Early action also helps preserve evidence and witness testimony that may become unavailable over time.

Contact The Law Firm of Chaile Allen for a Free Consultation

An insurance denial doesn’t have to be the final word on your accident claim. Attorney Chaile Allen has successfully helped countless West Texas residents overturn insurance denials and secure the compensation they deserve. As a local attorney with deep roots in the community, Chaile Allen provides personalized attention and understands the unique challenges faced by accident victims in our area.

Don’t let an insurance company’s denial prevent you from getting the justice and compensation you deserve. Contact The Law Firm of Chaile Allen today at (325) 670-9282 or visit our contact form to schedule your free consultation and learn about your legal options.