When Insurance Doesn’t Cover All of Your Damages

When you are injured in an accident, you face a difficult situation. In addition to the shock and trauma of the accident itself, you have to deal with the pain, recovery, and time that it will take for you to get back to your former self. 

When those injuries are caused by someone else’s negligence, that person’s insurance as well as your own can provide some degree of support. 

Insurance exists to provide benefits and coverages for unforeseen circumstances like sudden injuries. But sometimes, people find that insurance doesn’t provide coverage for all of the needs. In fact, sometimes insurance companies refuse to provide any coverage at all. 

Why Insurance Claims are Denied 

Sometimes, your needs aren’t covered because your claim is outright denied. This can happen for a number of reasons.  Insurance companies will deny injury claims for any number of reasons, including, but not limited to, the following: 

  • Delayed treatment 
  • Preexisting injuries/illnesses 
  • Breaks in treatment 
  • Insured’s claims regarding liability 
  • Insurance lapsed 

When submitting an insurance claim, it’s important to be timely. After any accident, you should notify your insurance provider right away. You should also immediately get the insurance information of the at-fault party. Meanwhile, you should be gathering evidence, talking to witnesses, taking pictures of the area where the accident took place, and keeping track of medical records. 

That said, you should be cautious on how much information you immediately provide an insurance company before you have a full understanding situation. Otherwise, this info may actually be used to deny or underpay your claim. Speaking of… 

Underpaid Claims 

Insurance adjusters aren’t evil, but it is their job to pay you as little as possible. Often, an insurance company will try to cut you a check long before you even know how much money you need. This can put you in a bad situation as medical bills keep rolling in. Once you’ve been paid by an insurance company, it’s unlikely you’ll get more money for that situation. 

When to Speak to An Attorney 

If you’ve been injured in an accident, it’s always best to speak to an attorney sooner rather than later. Talking to an attorney doesn’t mean that you’re filing a lawsuit against someone immediately. It’s simply a way of ensuring that your needs are covered and you receive what you’re entitled to. 

The Richards Firm was created to make the legal system more accessible to injured people who have suffered due to the actions or inactions of others. We handle personal injury and wrongful death claims for injured people and their families.  We treat every client as an individual, learning their story and helping them understand their options. For a trustworthy attorney in the Hamilton, Ohio area, contact The Richards Firm today.