What To Do When an Insurance Company Delays or Denies Your Madisonville Injury Claim
Personal injuries in Kentucky can happen due to a fall, getting struck by objects in public places, or as a result of motor vehicle accidents. You notified the police, sought treatment from a doctor, and filed a claim through the insurers involved. However, now the insurance company is stalling, disputing your claim, or outright denying payment.
This is not an accident. It is a strategy. Insurance companies are big businesses, and paying out injury claims cuts into their profits. Our Madisonville personal injury lawyer explains the tactics they often employ and the steps you can take to protect your rights to compensation.
Why Insurance Companies Delay and Deny Kentucky Injury Claims
When an accident happens, it’s natural to want to trust insurers to do the right thing. However, these companies are big businesses, and adjusters are trained to minimize payouts.
Common reasons insurance companies delay, dispute, or deny injury claims include:
- Disputing liability by arguing that you are at fault or share responsibility for what happened.
- Downplaying your injuries or claiming that your condition existed before the accident.
- Burying you in documentation requests and then using processing delays as cover for slow or no payment.
- Arguing that the medical treatment you needed was unnecessary, experimental, or outside the scope of your policy.
- Throwing out a lowball offer early, before you even know the full extent of your injuries, and then using your hesitation to drag things out even further.
The Kentucky Department of Insurance sets strict guidelines for insurance companies, which help protect consumers’ rights to prompt and fair claims handling. Recognizing these tactics for what they are puts you in a much stronger position to fight back.
How To Protect Against Denied or Disputed Kentucky Insurance Claims
In the aftermath of an accident, disputes with insurers add to the stress during an already difficult time. To protect yourself against insurance company tactics, take these steps:
- Carefully review the reasons for denied and disputed claims.
- Gather evidence that contradicts the insurer’s claims, such as police reports or updated medical records.
- If you suspect the insurer of acting in bad faith, you can contact the Kentucky Department of Insurance and file a complaint.
- Keep detailed records of every communication with the insurance company, including dates, times, adjuster names, and summaries of what was said.
- Get legal help before giving recorded statements or signing any documents.
Kentucky law recognizes bad-faith insurance practices and allows injury victims to recover additional damages when an insurer unreasonably delays or denies a valid claim.
Contact Our Experienced Madisonville Personal Injury Lawyer Today
Insurers are notorious for denying, disputing, and delaying claims. Our Madisonville personal injury lawyer knows how to counter insurance company tactics and fights for the full compensation you deserve.
To get the trusted legal help you need in dealing with these companies, contact Whitfield Crosby & Flynn and request a consultation today. We protect injured victims in Madisonville, Kentucky; Chattanooga, Tennessee; Indianapolis, Indiana and Marion, Illinois.
Sources:
insurance.ky.gov/ppc/new_laws.aspx
apps.legislature.ky.gov/law/statutes/statute.aspx?id=17037
