If you have met with an accident or have been injured due to slips or falls, you are entitled to get compensation so that you can look after the medical expenses. First, you will contact the insurance company and file a claim based on injuries and damages. Most injured persons file without the help of one of the best Philadelphia, PA personal injury attorneys and they end up screwing their own claim. It is strongly recommended to know on what grounds these companies tend to refuse the claim.
You don’t have a claim
If you don’t have any insurance policy that can cover injuries and damages, you will not be able to get any compensation even if you approach them. There may be two scenarios. One is that you have the policy but it has already lapsed and you are unaware of it. Second, you have a valid insurance policy but it does not give you the benefits, which you thought it would.
In order to avoid such denials, it is suggested to make payments to your insurance company on a regular basis. Moreover, you should be aware of what it covers and what it does not.
You were at fault at the time of the accident
Another reason why your claim for personal injury was rejected is that the accident occurred because you acted negligently. If the evidence shows that you were at fault at the time of the accident, the insurance company will not take much time to refuse it.
Violations of the term of the policy
If you have violated any term mentioned in the policy, you may not be able to get the claim cleared from the insurance company. In most policies, it is mentioned to drivers what to do and things to avoid when driving on the road. If you failed to follow these terms and conditions, your claim can get rejected in no time. For example, the policy may not cover the injuries if you are driving commercial vehicles.
Lack of evidence
If you have included the details of injuries in your claim but failed to produce the relevant documents, you are likely to get your claim rejected quickly. That’s why, if you have mentioned your injuries and pain in the claim, you should include relevant medical reports, blood tests and scans showing your injuries.
If you believe that you have satisfied all of the above factors, you should contact a personal injury lawyer.