Usually, the best approach to get paid for medical bills, lost earnings, and other damages if you have been injured by someone else’s negligence is to file a personal injury claim. A personal injury claim company in Minnesota helps you comprehend typical claim rejections and develop strategies to overcome them, ensuring you receive rightful compensation. Here are some common reasons for claim denials.
1. Failing to Report the Injury Promptly
Delays in reporting injuries often lead to the denial of personal injury claims.
How to Avoid It
- Notify the relevant parties, such as your company (for workplace injuries) or law enforcement (for auto accidents), of the accident as soon as it happens.
- Seek medical attention immediately, even if the damage seems slight.
2. Lack of Sufficient Medical Evidence
Without solid medical records, insurers may deny your claim due to treatment gaps or missing documents.
How to Avoid It
- Attend all your doctor’s appointments and follow their prescribed course of action.
- Keep records of medical expenses, prescriptions, therapy visits, and any other treatments connected to your injury.
- Obtain statements from medical professionals regarding the severity and long-term impact of your injuries.
3. Pre-Existing Conditions
If you have a past medical problem or injury, insurance companies may argue that your present one is not new, complicating the process of getting paid.
How to Avoid It
- Tell them straightforwardly about any pre-existing conditions, but emphasize how the accident worsened your condition.
- Get a doctor’s statement outlining how the accident caused new injuries or aggravated existing ones.
4. Discrepancies in Your Statement
If your description of the accident changes over time, insurance companies may use it as evidence to deny your case.
How to Avoid It
- Stick to the facts when describing your accident.
- Avoid giving recorded statements to insurance adjusters without consulting an attorney.
- Keep written notes of what happened while the details are fresh in your mind.
5. The Insurance Company Claims You Were at Fault
Under the comparative fault rule, if you share any blame for your injury, your compensation could be reduced or even denied.
How to Avoid It
- Get proof, including photos from the scene, accident reports, and witness statements.
- Avoid discussing the accident with insurance adjusters without legal representation.
- Work with a personal injury claim company in Minnesota that can challenge unfair fault claims.
6. Filing Mistakes and Missed Deadlines
A little paperwork mistake or missing a deadline could result in a denial of a claim.
How to Avoid It
- Consult attorneys to avoid technical mistakes.
- Understand Minnesota’s statute of limitations for personal injury claims (typically two years from the date of injury).
- Make sure all forms and supporting documents are submitted correctly.
Understanding Minnesota-Specific Legal Considerations
Minnesota follows a no-fault insurance system for car accidents, meaning your insurance covers medical expenses regardless of who was at fault. For major injuries, you might still file a personal injury claim against the responsible party. The state law requires employers to cover workplace injuries, but claims can be denied if procedures aren’t followed properly.
Osterbauer Law Firm:Turning Setbacks Into Fair Settlements
As a personal injury claim company in Minnesota, we ensure your claim is correctly submitted with strong evidence and protected against unfair insurance tactics.
As experienced attorneys,we’ll help you fight for fair compensation for your injuries and lost wages. We handle issues and offer a free consultation either in our office or over the phone.
Contact Osterbauer Law Firm and schedule a free consultation.
