Accidents are one of the leading causes of death in the United States, following just behind heart disease, cancer, and chronic lower respiratory diseases. In 2014, there were 31 million emergency-department visits for unintentional injuries. More people than ever have access to health care after the Affordable Care Act was passed in 2010, but not everyone’s personal injury claims will be approved by their insurance companies. Just looking at working mishaps alone, more than 20,000 workers’ compensation claims were denied in 2015.
Why Do Insurance Companies Deny Claims?
Most of insurance company income derives from average people and businesses paying premiums for coverage. In the event of an accident, people want to be fully prepared for the exorbitant cost of medical care, which is why they opt into insurance policies. However, these companies, like most businesses, exist for a single reason—to make money. If they don’t have to cover your health care and lost wages, why would they? They will use any number of excuses to deny your compensation, particularly if you lack enough proof that your grievance is legitimate.
See a Doctor Immediately Following an Accident
Car collisions account for one of the highest numbers of accidental injuries. Even in a small incident, it’s difficult to tell whether or not you’ve incurred serious harm if the damage is internal. For example, head trauma could cause more than just a little concussion. Severe cranial bleeding could damage brain tissue and lead to permanent disability. If you don’t see a doctor immediately after the event, an insurance company could assert that your wound wasn’t severe enough to merit medical attention. Likewise, if you wait to get treatment until after your claim is accepted, an insurance company can reject your compensation on the grounds that you haven’t been seeking continual care, meaning the injury is probably not a severe problem.
For your own safety, and to lend your claim some weight, make sure your doctor writes a letter explaining the nature of your grievance. If the company still rejects it, a lawyer can use it in court when you appeal the decision. If you need to fight a denial in court, contact one of our Worcester personal injury attorneys today. Call us at (508) 926-8833 or fill out our online form. We offer free initial consultations.