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Navigating the Denials: A Guide to Responding to a Denied Personal Injury Claim

In the pursuit of compensation for personal injuries, the possibility of encountering an insurance claim denial can be disheartening and frustrating. This denial, however, does not signify the end of your pursuit; rather, it presents an opportunity to gather evidence, address the insurer’s concerns, and continue advocating for your rights.

Understanding the Reasons for Claim Denials

Insurance companies deny claims for various reasons, often citing specific provisions in their policies or questioning the claim’s validity. Common reasons for claim denials include:

  1. Policy Exclusions: The insurance policy may not cover the specific type of injury or accident that occurred.

  2. Lack of Evidence: The insurance company may deem the evidence insufficient to prove the extent of injuries or the connection between the accident and the injuries.

  3. Pre-existing Conditions: The insurer may allege that the injuries were pre-existing and unrelated to the accident.

  4. Contribution to Negligence: The insurer may assert that the claimant shared some responsibility for the accident, reducing or eliminating their liability.

Responding to a Denied Claim

Upon receiving a denial notice, it is crucial to take prompt action to address the insurer’s concerns and potentially salvage your claim. Here’s a step-by-step guide:

  1. Review the Denial Notice: Carefully review the denial notice to understand the specific reasons cited by the insurance company. This will provide a starting point for your response.

  2. Gather Additional Evidence: If the insurer requests additional evidence, promptly gather and submit the requested documentation. This could include medical records, witness statements, or accident reports.

  3. Request a Reconsideration: Write a formal letter to the insurance company requesting a reconsideration of their decision. Explain the reasons why you believe the claim is valid and provide any additional supporting evidence.

  4. Seek Legal Counsel: Consult with an experienced personal injury attorney to discuss your options and strategize the best course of action. An attorney can assess the merits of your claim, identify potential errors in the insurer’s decision, and guide you through the appeals process.

Appealing a Denied Claim

If the insurance company upholds its denial after reconsideration, you may have the option to appeal the decision. The appeals process varies by state but generally involves the following steps:

  1. Submit an Appeal Request: File a formal appeal request with the insurance company or the appropriate state agency. The appeal request should clearly state the grounds for appeal and provide supporting documentation.

  2. Attend an Appeal Hearing: Depending on the state, an appeal hearing may be held before an arbitrator or a panel of judges. Prepare to present your case, provide evidence, and answer questions from the hearing panel.

  3. Receive Appeal Decision: The hearing panel will review your case and issue a decision, either upholding or overturning the insurance company’s denial.

Additional Considerations

  1. Time Limits: Be mindful of the time limits for filing an appeal. Failure to file within the specified timeframe may bar you from pursuing further action.

  2. Legal Assistance: Consider seeking legal representation throughout the appeals process. An attorney can guide you through the formalities, effectively represent your case, and negotiate on your behalf.

  3. Alternative Options: If the appeal is unsuccessful, you may still have options, such as filing a lawsuit or seeking mediation.


Navigating a denied personal injury claim can be challenging, but understanding your rights, gathering evidence, and seeking legal counsel can empower you to challenge the insurer’s decision and potentially secure the compensation you deserve. Remember, persistence and a well-prepared case can significantly increase your chances of success.

Bob Kraft

I am a Dallas, Texas lawyer who has had the privilege of helping thousands of clients since 1971 in the areas of Personal Injury law and Social Security Disability.

About This Blog

The title of this blog reflects my attitude toward those government agencies and insurance companies that routinely mistreat injured or disabled people. As a Dallas, Texas lawyer, I've spent more than 45 years trying to help those poor folk, and I have been frustrated daily by the actions of the people on the other side of their claims. (Sorry if I offended you...)

If you find this type of information interesting or helpful, please visit my law firm's main website at You will find many more articles and links. Thank you for your time.

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