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What Does It Mean When an Insurance Company Denies Your Spoken Personal Injury Claim?



What Does It Mean When an Insurance Company Denies Your Spoken Personal Injury Claim?

If your personal injury claim has been denied by an insurance company, it can be a tough and confusing situation. If the company has credible proof for denying your claim, there is probably not much you can do about it. But if a Spokane personal injury attorney has carefully examined your insurance details and thinks your claim has been wrongly denied, you may have a valid reason to take legal action. If you are in this situation, you must consult an experienced injury lawyer to help you explore this complex law area. 

Why Your Injury Claim Has Been Denied

Insurance companies exist to make money. They may deny a lot of valid claims as they try to make more profits. While the law offers avenues to make sure insurance providers act in good faith, some claims can be correctly rejected on certain grounds. This can happen if:

  • You failed to file your claim on time. In Washington, you have three years to file a personal injury claim. Although this can seem like a long time, years can quickly pass as you go through all the complexities involved in your claim. 
  • Premiums are not paid on time. Insurance companies only honor contracts that don’t lapse. Without a good record of payment by their policyholder, an insurance company can deny your claim. 
  • The company thinks its policyholder is not at fault for the accident. Your claim can be denied if the insurance company believes the insured is not liable for the accident. While you have valid injuries and claims, insurance adjusters will find reasons they must not be responsible for resolving your claim. 

Taking Advantage of Protection from the Law

In Washington State, insurance companies are not allowed to engage in unfair or deceptive practices. They must investigate and assess your losses promptly and thoroughly. Also, they should pay or deny your injury claim on time and in compliance with your policy and applicable laws.  You can hold an insurance company liable for bad faith claims handling if they handled your claim in a way that violated the Insurance Fair Conduct Act. 

Make sure you consult a skilled lawyer to help you navigate the laws and make sure the insurer does not engage in unfair settlement practices. Unfortunately, insurance companies usually do whatever they need to, so they can avoid paying your claim. Your lawyer can help you determine if the insurer wrongfully denied your claim and advocate for you, so you can get fair compensation for your injuries.