The Insurance Company Denied My Ohio Accident Claim – Now What?

If you’ve been in an accident in Ohio, your first thought might be to file a claim with your insurance company. Unfortunately, not all insurance companies are willing to pay out on these claims, and some may even deny them outright. This can be frustrating, but it’s important to know that you do have options if your insurance claim is denied.

In this article, we’ll go over some common reasons why insurance companies deny claims and what you can do if your claim is denied.

Reasons for Denied Claims

Insurance companies may deny a claim for a variety of reasons, including:

  • The policy doesn’t cover the type of accident you were in.
  • The accident was caused by a policy exclusion.
  • The policy was canceled or lapsed due to non-payment.
  • The insurance company believes that the accident was your fault.

If your claim has been denied, it’s important to understand why. You can request a written explanation from your insurance company, which should provide more information about the specific reason for the denial.

Steps to Take If Your Claim Is Denied

If your insurance claim is denied, there are several steps you can take to try to get compensation for your losses. These include:

  1. Review your policy: Take a close look at your insurance policy to make sure you understand the terms and conditions. If you believe that the insurance company has incorrectly denied your claim, you may need to consult with an attorney to help you understand your legal rights.
  2. File an appeal: If you believe that the insurance company has incorrectly denied your claim, you have the right to file an appeal. The appeals process typically involves submitting additional documentation and evidence to support your claim. An attorney can help you navigate the appeals process and ensure that your rights are protected.
  3. Seek legal representation: If your claim has been denied and you believe that the insurance company is acting in bad faith, you may need to consult with an experienced personal injury attorney. A lawyer can help you understand your legal rights, negotiate with the insurance company, and file a lawsuit if necessary.
  4. Understand fault: In Ohio, the fault system is used to determine who is responsible for the accident. If you are partially at fault for the accident, your compensation may be reduced. An attorney can help you understand how fault is determined and how it may affect your case.
  5. Document everything: It’s important to keep track of everything related to your accident and insurance claim. This includes medical bills, lost wages, and any correspondence with the insurance company. This information can be used as evidence to support your claim.
  6. Don’t give up: Dealing with a denied insurance claim can be frustrating and overwhelming, but don’t give up. There are options available to help you get the compensation you deserve.

Negotiation With Insurance Companies

Negotiating with insurance companies after an accident can be incredibly difficult. Insurance companies are businesses, and their primary objective is to make a profit. This means that they will often try to minimize their payouts to accident victims by denying claims, offering low settlements, or dragging out the claims process for as long as possible. They may also use tactics such as shifting blame onto the victim or downplaying the severity of the injuries sustained in the accident. These tactics can be frustrating and overwhelming for accident victims, who may be dealing with injuries, medical bills, and lost wages.

This is where an experienced personal injury attorney comes in. An attorney with experience successfully handling negotiations with insurance companies will have a deep understanding of the law and the tactics used by insurance companies. 

Great attorneys like those at Spivak and Sakellariou will: 

  • Know how to build a strong case
  • Negotiate with insurance adjusters 
  • Fight for the compensation that their clients deserve. 

With their knowledge and experience, an attorney can level the playing field, helping accident victims to navigate the complex world of insurance claims and get the justice they deserve. If you have been in an accident and are struggling to negotiate with an insurance company, finding an attorney with experience handling these negotiations is vital to getting the compensation you deserve.

How Can GSAS Law Help?

If your insurance claim has been denied, it’s important to remember that you still have options. Review your policy carefully, file an appeal, and seek legal representation if necessary. At Spivak & Sakellariou, we have years of experience helping accident victims in Ohio get the compensation they deserve. Contact us today for a free consultation and let us help you get the justice you deserve.

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