If you’ve been injured in a pedestrian accident, you might be concerned about the viability of your insurance claim. Even if you weren’t at fault for the accident, an insurance company may deny your claim for a number of unfortunate reasons.
This article will examine the four most frequent reasons insurance companies deny claims and assist you in deciding whether you need to contact a lawyer following a pedestrian accident. You will be in a better position to make a successful claim if you are aware of these factors.
Lack of Damages Proof
When there is insufficient proof that a loss or injury resulted from a pedestrian collision, there is no proof of damages. In order to be eligible for payment, insurance firms need claimants to produce documentation of their losses. If they provide insufficient supporting evidence or evidence that conflicts with their assertions, the insurance company may reject their claim.
This kind of rejection frequently occurs in situations when there is no obvious physical harm or damage, such as when there has been emotional trauma or lost wages as a result of missed workdays. Despite the initial lack of proof of damages, claimants can boost their chances of having their claim recognized by hiring an attorney to help with the collection and presentation of evidence.
Lack of Appropriate Documentation
To ensure that a claim for a pedestrian accident is legitimate, proper paperwork must be provided. It will be more difficult for the insurance company to refuse the claim if there is sufficient paperwork, such as x-rays, doctor’s notes, and other records. This supporting evidence can be used to demonstrate that the injured party was hurt in an accident and that they are entitled to compensation.
If there are contradictions between the claim and what was shown, proof of injuries can also support a claimant’s case. Last but not least, it’s critical to make sure all documents supplied are truthful because any fabrications could lead to the claim being rejected.
Unfounded Negligence Allegations
If an insurance company determines that a pedestrian accident claim is overly complicated or if any of the supporting documentation conflicts with the claimant’s statements, the insurance company may reject the claim. For instance, an insurance claim that contains any false information will be rejected.
Even when getting their quote, the victim may have lied about anything, and the insurance provider may decide to terminate their policy as a result. Such claims may be harder for an insurer to evaluate precisely due to their complexity, which could cause them to reject them altogether due to a lack of supporting documentation or the veracity of the claimant’s account.
Failure to Work with the Insurance Company
Since they are for-profit organizations, insurance firms always look for methods to save expenses. They typically carry out this by contesting auto insurance reimbursements and claims. Let’s say an insurance company thinks you didn’t assist them in their investigation of a claim involving a pedestrian accident. They might therefore reject your assertion as unsupported by proof or inaccurate due to your statements.
Conclusion
Although there is a chance you could prevail in a lawsuit against a driver for a pedestrian accident, the chances are unfortunately not in your favor. Insurance firms are corporations with a profit-making objective. Even if claims are justified, they are not in the business of paying them out.
Your best bet if you’ve been in a pedestrian accident is to do some research and figure out why the company would deny your claim. With this knowledge, you can take actions to raise your chances of success and choose if you need legal assistance following a pedestrian accident.
