[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.sherrodandbernard.com\/blog\/reasons-insurance-companies-deny-claims\/#BlogPosting","mainEntityOfPage":"https:\/\/www.sherrodandbernard.com\/blog\/reasons-insurance-companies-deny-claims\/","headline":"Reasons Insurance Companies Deny Claims","name":"Reasons Insurance Companies Deny Claims","description":"If you\u2019ve suffered severe injuries in a car crash, the cost of treating major injuries can quickly amount to thousands of dollars. You may face additional financial hardship if you have to miss an extended period of work. If another driver caused the accident, you may file a...","datePublished":"2021-12-01","dateModified":"2026-02-26","author":{"@type":"Person","@id":"https:\/\/www.sherrodandbernard.com\/blog\/author\/kenbernard\/#Person","name":"Ken Bernard","url":"https:\/\/www.sherrodandbernard.com\/blog\/author\/kenbernard\/","identifier":7,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2c8989e3a6ded75e4fe0fae6e90fc6dfec65eaf7676e8cefa113ad6e8e2d6c66?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2c8989e3a6ded75e4fe0fae6e90fc6dfec65eaf7676e8cefa113ad6e8e2d6c66?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Sherrod & Bernard, P.C.","logo":{"@type":"ImageObject","@id":"https:\/\/www.sherrodandbernard.com\/wp-content\/uploads\/2024\/03\/SB-Logo-1.png","url":"https:\/\/www.sherrodandbernard.com\/wp-content\/uploads\/2024\/03\/SB-Logo-1.png","width":300,"height":109}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sherrodandbernard.com\/wp-content\/uploads\/2021\/12\/car-crash-4.jpg","url":"https:\/\/www.sherrodandbernard.com\/wp-content\/uploads\/2021\/12\/car-crash-4.jpg","height":627,"width":1200},"url":"https:\/\/www.sherrodandbernard.com\/blog\/reasons-insurance-companies-deny-claims\/","video":{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=-Elx4FbIXg4#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=-Elx4FbIXg4","name":"What if the insurance company is trying to blame me for causing the wreck? | Sherrod & Bernard","description":"If you are determined to be at fault for a wreck, it could mean a complete denial of your personal injury claim. After a wreck, the insurance companies involved will begin their own investigation. When all of the information is compiled, the insurance companies will make their own determination as to how a wreck happened and who was at fault. \n\nAt Sherrod & Bernard, we refuse to play the insurance companies' blame game and when the insurance company attempts to avoid paying you just compensation for your injuries, we file suit and prove your case in court.\n__\nSherrod & Bernard, P.C. - Personal Injury Lawyers in Douglasville\n8470 Price Ave \nDouglasville, GA 30134\nPhone: (770) 920 - 8350\nwww.sherrodandbernard.com","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/-Elx4FbIXg4\/default.jpg","https:\/\/i.ytimg.com\/vi\/-Elx4FbIXg4\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/-Elx4FbIXg4\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/-Elx4FbIXg4\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/-Elx4FbIXg4\/maxresdefault.jpg"],"uploadDate":"2019-08-23T11:00:00+00:00","duration":"PT39S","embedUrl":"https:\/\/www.youtube.com\/embed\/-Elx4FbIXg4","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCNK4EK-AuNLyADEP1Gsgx7w#Organization","url":"https:\/\/www.youtube.com\/channel\/UCNK4EK-AuNLyADEP1Gsgx7w","name":"Sherrod and Bernard","description":"When you are in a legal bind, you need an experienced attorney you can count on to provide you with skilled representation and sound legal counsel. Every lawyer under the sun will tell you that he or she is the right person for the job, but you need a firm backed with a successful track record. You need the firm of Sherrod & Bernard, serving the Douglasville area.\n\nAfter attending the University of Georgia together, attorneys John Sherrod and Ken Bernard founded the law firm of Sherrod & Bernard, P.C. in 1992. From the very beginning, the goal of our firm has been to provide each and every client with the quality personal service and skilled representation they deserve. You can count on our work ethic and our commitment to our clients.\n\nYou need a highly skilled attorney to successfully resolve your legal issues. One of our lawyers can help. Schedule a free consultation by calling our Douglasville office at 770-920-8350.","logo":{"url":"https:\/\/yt3.ggpht.com\/uK-5K9pyHHwlk4D1Wclej9JOOudzsipnxVRsoc1u0fyFTl1Ykw0P1mMXhCw6PbtfZAwzpbuF_A=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=-Elx4FbIXg4#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=-Elx4FbIXg4#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=-Elx4FbIXg4&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"},"interactionStatistic":[[{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=-Elx4FbIXg4#VideoObject_interactionStatistic_WatchAction","interactionType":{"@type":"WatchAction"},"userInteractionCount":328811}],{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=-Elx4FbIXg4#VideoObject_interactionStatistic_LikeAction","interactionType":{"@type":"LikeAction"},"userInteractionCount":36}]},"about":["Auto Accident"],"wordCount":1113,"articleBody":"If you\u2019ve suffered severe injuries in a car crash, the cost of treating major injuries can quickly amount to thousands of dollars. You may face additional financial hardship if you have to miss an extended period of work. If another driver caused the accident, you may file a claim against the at-fault driver\u2019s auto insurance and seek compensation for your medical bills and other expenses.However, many insurance companies are more concerned about protecting their profits than treating accident victims fairly. Insurance companies frequently deny claims for a variety of reasons, causing delays before crash victims get the money they need.The Georgia car accident lawyers at\u00a0Sherrod & Bernard, P.C., have close to 80 years of combined legal experience dealing with insurers and helping accident victims demand full compensation. We want to help you understand some of the reasons why insurance companies deny insurance claims. If you have received a claim denial letter in Georgia, don\u2019t give up. Contact a knowledgeable personal injury attorney at Sherrod & Bernard, P.C., to discuss the steps you can take.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tSome of the reasons cited by insurance companies for denying claims include:You Were Partially or Wholly at Fault for the Georgia Car AccidentTo recover money through an insurance claim after a\u00a0car accident, you\u2019ll have to demonstrate that another individual or business is responsible for the accident and your injuries.Fault in Georgia personal injury cases is based on the concept of negligence. In legal terms, if someone fails to use reasonable care to avoid harming others, that person or business may be held liable for any injuries and losses resulting from their negligent actions.To prove the other driver was at fault after a car crash, you will need evidence to back up your claim. If the evidence shows that you were partially to blame for the crash, you may still pursue compensation, though any compensation you receive may be reduced by your percentage of fault. However, per\u00a0Georgia\u2019s modified comparative negligence law, you may not collect compensation if you were 50 percent or more at fault.It\u2019s common for insurance companies to try to assign fault to car crash victims to avoid paying insurance claims or to reduce the amount paid to settle a claim.You Didn\u2019t Receive a Medical Evaluation for Your Georgia Car AccidentAn important step to take after an accident is to obtain a thorough medical evaluation. Insurance companies will only pay for injuries that are properly documented by a medical professional. The records that are generated from your medical exams can be used to show that your injuries were caused by the accident. The records can help show the extent of the medical treatment you will require.It\u2019s important to see a doctor immediately after an accident. If you aren\u2019t transported by ambulance to a hospital from the crash scene, seek a medical evaluation as soon as possible, even if you don\u2019t think your injuries are serious. A trained medical professional may diagnose injuries such as a concussion that are not yet apparent to you. An insurer will typically deny injury claims without medical documentation.You Had a Pre-Existing InjuryWhen you file an insurance claim after a car accident, you can only be compensated for injuries that are directly related to the crash. If you broke your arm before the car accident, the insurance company won\u2019t cover the medical costs related to treating that pre-existing injury.However,\u00a0car accidents\u00a0can and frequently do aggravate prior injuries. Even if you didn\u2019t suffer the injury in the accident, the impact may still have caused additional harm. It\u2019s possible to recover compensation for old injuries that are aggravated in a car crash, but insurance companies will frequently use a pre-existing injury to deny your claim. A car accident attorney can help you with the claims process to avoid these kinds of issues.The Claim Exceeds Your Maximum Insurance CoverageIf you\u2019re filing a claim with your own insurance company after an accident, the amount you can recover in compensation will depend on the limits of your policy. If the amount that you\u2019re seeking exceeds your coverage limits, the insurance company might well deny your claim.You should be able to get the insurance company to cover your eligible losses up to the limits of your coverage. But dealing with the insurance bureaucracy is a time-consuming and aggravating process. A lawyer handling your\u00a0personal injury\u00a0claim can help you with a property damage claim as well for the repair or replacement of your vehicle.There\u2019s a Liability Dispute Regarding the Accident in GeorgiaDepending on the circumstances of the crash, the evidence you submit with your claim may not be enough to prove that the other driver bears full responsibility for what happened. There may be a dispute about how much fault each side bears for a crash.As long as your share of fault for the accident is less than the other party or parties, you may seek compensation for your injuries. Bear in mind that if you are found partially liable for a car crash, your compensation will be reduced by your percentage of fault.You Didn\u2019t Notify Your Insurance Company Quickly Enough After Your Georgia Car AccidentOne mistake many car accident victims make is not notifying an insurance company of an accident promptly. Even if the other driver was to blame for the crash and you plan on filing a claim against them, most insurance policies require you to notify the insurer within a certain amount of time after an accident.Insurers are more likely to question claims that are not filed in a timely fashion.What to Do If Your Car Insurance Claim Was DeniedIf you have been injured in a car crash and you believe another driver was at fault or you have questions about who is liable, you should talk to a lawyer as soon as possible. An experienced Douglasville\u00a0car accident injury lawyer at Sherrod & Bernard, P.C., can review the details of the accident and help you understand your rights. We can evaluate whether filing a claim against the other driver\u2019s insurance is in order in your particular situation.You will definitely want a lawyer\u2019s help if your car insurance claim has been denied. A denial does not necessarily mean your case is over. An experienced Georgia car accident attorney can help you find evidence and resubmit your claim. For more information on how\u00a0Sherrod & Bernard, P.C., can help you with your car accident case, contact our office."},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.sherrodandbernard.com\/blog\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Reasons Insurance Companies Deny Claims","item":"https:\/\/www.sherrodandbernard.com\/blog\/reasons-insurance-companies-deny-claims\/#breadcrumbitem"}]}]