Compensation and Settlements for Kentucky Accident Victims

When seeking compensation for your injuries, it’s important to know the types of damages you may be entitled to.

Economic Damages

Tangible losses like medical expenses, lost wages, property damage, and other costs that are related to the accident.

Non-Economic Damages

Equally important are non-economic damages. This includes pain and suffering, emotional distress, and other things that impact your well-being.

Punitive Damages

In cases of extreme negligence or intentional harm, Kentucky allows punitive damages. These serve to penalize the at-fault party and discourage similar behavior in the future.

Kentucky Accident Injury Claims and Lawsuits

Dealing with Insurance Companies in Kentucky

Insurance companies play a pivotal role in personal injury cases, and they seek to minimize payouts. The main role of Kentucky personal injury attorneys is to level the playing field. They adeptly handle negotiations with insurance companies. They make sure that the true causes of the accident are uncovered.

Compassionate Support throughout the Process

At GSAS (Spivak & Sakellariou), we understand the human element involved in every personal injury case. When you work with us, a dedicated lawyer will give you all the information you need. We are committed to providing you with personalized attention and unwavering support. We will navigate the legal complexities together.

Why Did My Insurance Deny My Accident Claim?

Dealing with the result of an accident can be a daunting experience. This is especially the case when your insurance claim is unexpectedly denied. If you've found yourself in this unfortunate situation, don't lose hope. While each case is unique, there are several common reasons why insurance claims get denied. Remember that Kentucky is a no-fault state. Understanding the possibilities will help you navigate the challenges ahead.

1. Coverage Limitations and Exclusions

One of the primary reasons for an insurance claim denial is coverage limitations within your insurance policy. Insurance policies usually include specific terms and conditions. These will dictate the circumstances under which a claim is covered. If the incident falls outside the scope of coverage outlined in your policy, your claim may be denied.

2. Late or Incomplete Filing

Insurance companies usually require prompt reporting of accidents in addition to timely submission of necessary documentation. Failing to file your claim within the required timeframe or providing incomplete information can cause a denial. It's important to notify your insurance company as soon as possible after an accident. Furthermore, you must ensure that all required documents are submitted right away.

3. Disputes Over Liability

In some cases, disputes may arise over who is at fault for the accident. If the insurance company believes that you were primarily responsible for the incident, they may deny your claim. They can help gather evidence and build a case to establish the true cause of the accident.

4. Pre-Existing Conditions or Injuries

Insurance companies may deny a claim if they believe that the injuries or damages being claimed existed before the accident. To avoid this situation, you must provide thorough medical documentation. This should outline the extent of the injuries caused by the accident.

5. Policy Lapses or Non-Payment

If your insurance policy was not in effect at the time of the accident due to non-payment or other reasons, your claim may be denied. It's crucial to ensure that your insurance premiums are up to date and that your policy is active.

6. Misrepresentation or Fraud

Providing inaccurate or false information when filing a claim can lead to denial. Insurance companies investigate claims and look for any sign of misrepresentation or fraud.

7. Insufficient Evidence

A lack of sufficient evidence to support your claim can also lead to denial. It's essential to gather relevant documentation. This may include accident reports, medical records, and witness statements that substantiate your claim.

Navigating Denied Claims with Legal Support

If your insurance claim has been denied, it's important not to lose hope. While facing a denied claim can be frustrating, it doesn't necessarily mean the end of the road. GSAS (Spivak & Sakellariou) can help you address the denial and take appropriate action. We understand the intricacies of Kentucky personal injury law and can help you:

• Review your insurance policy to determine the validity of the denial.

• Gather additional evidence and documentation to strengthen your case.

• Engage in negotiations with the insurance company to advocate for a fair settlement.

• Pursue legal action, if necessary, to ensure your rights are upheld and you receive the compensation you deserve.

In many cases, insurance denials can be successfully challenged with the right legal guidance. GSAS (Spivak & Sakellariou) is committed to standing by your side. We make sure that your voice is heard and tirelessly fight for your rights throughout the process.