When you’re injured in an accident, you expect that your personal injury claim will be paid out by the responsible party’s insurance company. Unfortunately, that’s not always the case. Insurance companies frequently deny claims, leaving injured people without the compensation they need to pay for medical expenses, lost wages, and other damages. If your personal injury claim has been denied by an insurance company in Nevada, here’s what you should do.
Table of Contents
Understand Why Your Claim Was Denied
The first step in dealing with a denied personal injury claim in Nevada is to understand why the claim was denied. Insurance companies may deny personal injury claims for a variety of reasons, including:
Insufficient evidence: If you don’t have enough evidence to prove that the other party was at fault, or that you were injured as a result of the accident, the insurance company may deny your claim.
Pre-existing conditions: If you had a pre-existing condition that may have contributed to your injuries, the insurance company may argue that they are not responsible for all of your damages.
Comparative negligence: If the insurance company argues that you were partially at fault for the accident, they may deny your claim or reduce the amount of compensation you’re entitled to receive.
Review Your Insurance Policy
Before you take any action, it’s essential to review your insurance policy to understand your rights and obligations. Your policy may include provisions that specify how disputes with the insurance company should be resolved, including arbitration or mediation. Additionally, your policy may outline timelines for filing an appeal and other necessary steps to take when your claim is denied.
File an Appeal
In Nevada, you have the right to appeal a denied personal injury claim. To file an appeal, you should submit a written request to the insurance company’s claims department. In your appeal, you should include all the evidence and documentation that supports your claim, including medical records and bills, police reports, witness statements, and any other relevant information.
Hire an Attorney
If your personal injury claim is still denied after you’ve filed an appeal, the next step is to hire an experienced personal injury attorney. A personal injury attorney will review your case, gather additional evidence, and negotiate with the insurance company on your behalf to seek a fair settlement for your damages.
Consider Litigation
If your attorney is unable to negotiate a fair settlement with the insurance company, your next option may be to file a lawsuit against the responsible party. Litigation can be a lengthy and expensive process, but it may be necessary to secure the compensation you need to cover your damages fully.
Conclusion
Dealing with a denied personal injury claim can be frustrating and overwhelming, but it’s important to remember that you have options. By understanding why your claim was denied, reviewing your insurance policy, filing an appeal, hiring an attorney, and considering litigation, you can work to secure the compensation you need and deserve. If you need help with a denied personal injury claim in Nevada, reach out to an experienced personal injury attorney for guidance.