{"id":14933,"date":"2019-12-03T19:17:02","date_gmt":"2019-12-03T19:17:02","guid":{"rendered":"https:\/\/webdemo.icu\/site\/andywins\/?p=14933"},"modified":"2019-12-03T19:17:02","modified_gmt":"2019-12-03T19:17:02","slug":"4-reasons-the-insurance-company-denied-your-car-accident-claim","status":"publish","type":"post","link":"https:\/\/webdemo.icu\/site\/andywins\/blog\/4-reasons-the-insurance-company-denied-your-car-accident-claim\/","title":{"rendered":"4 Reasons the Insurance Company Denied Your Car Accident Claim"},"content":{"rendered":"\n

After a car accident<\/a>, the last thing you need is a denied insurance claim. After all, repairing your damaged vehicle and getting the medical care you need can help you find closure. However, it\u2019s not uncommon to have your perfectly valid claim denied.<\/p>\n\n\n\n

In this blog, the Andy Citrin Injury Attorneys team outlines four common reasons insurance companies use to reject car accident claims claim, and how a lawyer can help you fight back.<\/p>\n\n\n\n

Don\u2019t Fall for These 4 Insurance Company Excuses<\/h2>\n\n\n\n

When you file a claim with the insurance company, you\u2019ll work with a claims adjuster. This person is responsible for managing your case, reviewing the your evidence, and communicating with you. Typically, adjusters want to settle cases as quickly and efficiently as possible. To close out cases, they use a variety of excuses and justifications.<\/p>\n\n\n\n

1. Since You Didn\u2019t Go to the Doctor Right Away, You Can\u2019t Be That Hurt<\/h3>\n\n\n\n

When a crash happens, your body fills with stress response hormones \u2014 adrenaline, cortisol, and norepinephrine. These natural responses help you survive a dangerous situation by overriding pain signals, but they can also mask signs of a serious injury. Immediately after a crash, it can be easy to miss sprains or strains, soft tissue damage, and even internal bleeding. Many survivors decide to skip the doctor\u2019s office because they don\u2019t think they\u2019re \u201cthat hurt.\u201d<\/p>\n\n\n\n

Unfortunately, when you don\u2019t go to the doctor, the insurance company may claim that your injuries are minor. \u201cIf they were that hurt, they would have gone straight to the ER,\u201d they\u2019ll argue.<\/p>\n\n\n\n

However, we\u2019ve helped a lot of people who delayed medical treatment for a brief time. In fact, some injuries, like herniated discs, TBIs, and nerve damage, take time to develop. Still, it\u2019s in your best interest to see a doctor as soon as possible\u2014and make sure to tell them about your car wreck.<\/p>\n\n\n\n

RELATED: <\/strong>Alabama Is Not a No-Fault State \u2014 Here\u2019s What That Means if You Get in a Car Accident<\/strong><\/a><\/p>\n\n\n\n

2. Your Problems Are Due to a Pre-Existing Condition<\/h3>\n\n\n\n

Insurance adjusters love pre-existing conditions. They often argue that your pain wasn\u2019t caused by the crash, blaming your pre-existing arthritis or another chronic condition instead. However, these claims are not consistent with Alabama or Mississippi law.<\/p>\n\n\n\n

Under a rule called \u201cthe eggshell skull doctrine,\u201d the companies must take you as you are. This means that they can\u2019t punish you or withhold compensation because you have a condition that\u2019s outside of your control. If a car accident accelerates or worsens an existing condition, the at-fault driver is still responsible.<\/p>\n\n\n\n

An insurance company should never deny your claim on these grounds, and if they do, it\u2019s in your best interest to call Andy Citrin Injury Attorneys right away.<\/p>\n\n\n\n

3. You Caused or Contributed to the Car Crash<\/h3>\n\n\n\n

Victim blaming is another popular insurance company tactic. In both Alabama and Mississippi, insurance companies can reduce or deny a claim if you were partially at-fault for an accident. However, the exact rules vary depending on where the crash happened:<\/p>\n\n\n\n