An Insurance Company May Deny a Personal Injury Claim After These Accidents

Personal injury claims cover a variety of accidental and intentional injuries. The Law Office of Kevin J. McManus helps individuals who are injured and suffer damages related to accidents, such as:

  • Car Accidentswhy insurance company denied my injury claim kansas city mo
  • Slips and Falls
  • Truck Accidents
  • Bicycle Accidents
  • Pedestrian Accidents
  • Motorcycle Accidents

Our Kansas City personal injury lawyers fight for the rights of injured victims throughout Missouri and Kansas. If another party caused your injuries, call 816-203-0143 for a free consultation with a member of our legal team. 

Discover how we can help you file an insurance claim for fair compensation for injuries and damages. We also help you fight unfair and unjust insurance tactics to deny injury claims and undervalue accident claims.

In this article, you learn more about:

  • 7 Reasons why insurance companies deny personal injury claims
  • If an insurance company does not deny a claim, it may try to undervalue the claim.
  • What to do if an insurance company denies your injury claim?
  • How can a Kansas City personal injury attorney help?

7 Reasons Why Insurance Companies Deny Personal Injury Claims

Insurance companies deny personal injury claims for many reasons. Some reasons used to deny injury claims may be valid. 

However, many of the reasons that insurance companies deny injury claims are flat-out wrong. The companies are more interested in saving money by reducing claims than paying a fair settlement for an injury that their customer caused. Many insurance adjusters search for ways to undervalue and deny injury claims. Adjusters work to protect the best interest of their employers, which include minimizing insurance claims. 

Below are 7 common reasons an insurance company may deny your injury claim:

  1. The insurance policy does not cover the type of accident that caused the injury.
  2. The insurance policy was not in effect at the time of the accident.
  3. The person or business who caused the injury is not covered under the terms of the insurance policy.
  4. You are unable to prove that your injuries were caused by the accident.
  5. Your injury was the result of a pre-existing condition or prior accident. 
  6. There was a significant lapse in time between the accident and medical treatment.
  7. The policy limits have been exhausted.

A denial of claim is not the end of your personal injury case. You can contest a insurance claim denial in various ways, including filing a lawsuit. Our Kansas City injury attorneys can help you fight for the compensation you deserve after an accident or injury.

How Do Insurance Companies Undervalue Injury Claims?

If the insurance company cannot deny your injury claim, it might try to undervalue the claim. Using allegations of pre-existing conditions, delays in medical treatment, and comparative fault are common ways insurance companies undervalue injury claims. 

You can protect yourself by seeking immediate medical care after an accident. You can also protect yourself by talking to a lawyer before giving any statement to the insurance company. Insurance adjusters use what you say in a statement to claim that you were partially at fault for your injuries. Under comparative fault laws, your compensation can be reduced if you contributed to the cause of the accident.

Also, don’t sign medical releases for insurance companies without talking with an attorney. The company may use the release to search for pre-existing conditions or injuries that it can use to undervalue your current claim. 

What To Do If An Insurance Company Denies Your Injury Claim?

If an insurance company denies an injury claim, demand a written explanation of why the claim is being denied. Request that the explanation include specific references to the policy provisions that limit liability for the accident or injury. Write a letter to the insurance company requesting a review of the denial by a claims supervisor. 

Always document your efforts to work with the insurance company to settle the claim in writing. Make careful notes of each conversation and interaction. 

A request for a review might result in a reversal of the denial of a claim. However, do not allow the insurance company to drag out the matter too long. The statutes of limitation in Missouri and Kansas limit your time to file a personal injury lawsuit. If the insurance company refuses to respond timely, talk to a personal injury lawyer in Kansas City about your legal options. 

How Can A Kansas City Personal Injury Attorney Help?

Our Kansas City personal injury attorneys work to protect your best interests. We work to maximize compensation for insurance claims. Therefore, we aggressively pursue denials of insurance claims. We do not hesitate to take a case to court if that is the best way to protect our clients’ right to fair and just compensation for accident injuries and damages. 

Because accident claims can be complicated, you want an attorney to investigate the cause of the accident, gather evidence proving fault, preserve evidence, and negotiate with an insurance company. 

Insurance companies often drop many of the unfair tactics used to deny claims or undervalue claims when an experienced Kansas City personal injury attorney is handling the case. The companies know that attorneys are familiar with these tactics and how to use the law to prove liability and fault. For that reason, it can be wise to consult a personal injury attorney as soon as possible after being injured.

Contact Our Kansas City Accident Lawyer for Help

If you have been injured in an accident, contact The Law Office of Kevin J. McManus to discuss your legal rights. Our injury attorney in Kansas City, MO is ready to help.  We are proud to be strong legal advocates for the rights of injured people in Missouri and Kansas.

Call 816-203-0143 for a free consultation to discuss how our legal team can help you fight for the compensation you deserve.


Kevin J. McManus
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Kevin McManus is an accident injury and disability lawyer in Kansas City, MO, and Overland Park, KS