You may be eligible to file a Tylenol Autism ADHD Lawsuit / Acetaminophen Autism ADHD Claim if you or a loved one used Tylenol and/ or Acetaminophen during pregnancy, and your child was subsequently diagnosed with ADHD or Autism Spectrum Disorder.
Legal action is being strategized by our attorneys for Horizon Therapeutics’ failure to properly warn patients of potential hearing loss side effects.
You may be eligible to file a Tepezza Lawsuit if you or a loved one took Tepezza and subsequently suffered permanent hearing loss or tinnitus.
If you or a loved one took Elmiron and subsequently suffered vision loss, blindness, or any other eye injury linked to the prescription drug.
Contact the Elmiron Lawyers from TorHoerman Law.
Get a free online case evaluation and find out if you qualify for compensation instanly.
You may qualify to participate in a 3M Combat Arms Earplugs Lawsuit if:
Over 140,000 Exactech hip, knee and ankle implants have been recalled due to packaging errors that can lead to the breakdown of parts vital to the device’s function.
If you or a loved one suffered injuries from an Exactech implant device, you may be entitled to financial compensation.
You may be eligible to file a Hair Straightener Cancer Lawsuit if you or a loved one used chemical hair straighteners, hair relaxers, or other similar hair products, and subsequently were diagnosed with:
Get a free online case evaluation and find out if you qualify for compensation instanly.
Over one million people, who were present at Camp Lejeune (North Carolina) between 1953 and 1987, may have been exposed to toxic substances in the water.
The Camp Lejeune Contaminated Water Lawsuit can apply to you, a family member, or a loved one who lived at Camp Lejeune (North Carolina) and suffered health effects from the decades of water contamination that occurred.
Toxic chemicals in Aqueous Film-Forming Foam (AFFF Firefighting Foam) have been linked to numerous types of cancer, including:
AFFF Firefighting Foam lawsuits aim to hold manufacturers accountable for putting peoples’ health at risk.
If you have been exposed to Paraquat and diagnosed with Parkinson’s disease may be eligible to pursue compensation, and entitled to participate in the paraquat lawsuit.
Contact us today to see if you qualify for the Paraquat Parkinson’s Disease Lawsuit!
Get a free online case evaluation and find out if you qualify for compensation instanly.
Our firm is about people. That is our motto and that will always be our reality.
At TorHoerman Law, we believe that if we continue to focus on the people that we represent, and continue to be true to the people that we are – justice will always be served.
Without our team, we would’nt be able to provide our clients with anything close to the level of service they receive when they work with us.
Our team is what has made TorHoerman Law a very special place since 2009.
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When a person is involved in a car accident, insurance companies are supposed to pay out for vehicle damages, medical bills, rental cars, and any other related expenses.
However, there are some instances in which the insurance company denies claims to the driver, forcing them to pay out the costs of the accident themselves.
Car insurance claim denial can be frustrating and difficult for people involved in accidents, adding an enormous stress to an already overwhelming situation.
It’s important to learn how to negotiate personal injury claims with your insurance company in order to receive the best compensation possible for your car accident insurance claim, but it should also be understood why insurance companies may deny a claim.
In this blog, we discuss 9 reasons why car insurance claims are denied and how you can fight back against an insurance claim denial.
Insurance companies will deny claims for a variety of reasons.
Many of the reasons behind an insurance company’s decision to deny claims are valid and baked into an insurance policy.
Other reasons may indicate that an insurance company is only trying to minimize their costs while knowing they are obligated to pay out and have wrongly denied a claim.
In the blog bellow, we’ll only be going over the valid reasons an insurance company will deny a claim, but it is vital to mention that if you’re wrongly denied a car insurance claim, a personal injury lawyer can help remedy the situation and negotiate with the at-fault party’s insurance company on your behalf.
Here are 9 reasons that car insurance companies deny claims:
If a driver is at fault for an accident, their insurer will likely not cover the damages.
Major infractions, such as driving drunk will likely void any insurance coverage.
Other reasons an insurance company can hold the driver liable include driving without a valid driver’s license, breaking road laws, texting while driving, and more.
Contacting a lawyer in this case, who is an expert in car accident lawsuits, will be beneficial to the driver.
If a driver is only partially at fault for an accident, and it is documented as such in the official police report, insurance claims can be tricky.
It’s also recommended to contact an attorney with experience in auto insurance claims to discuss your legal options.
If a driver does not keep up with their car insurance policy payments, their insurance coverage will lapse and they will no longer be covered.
This can happen in a variety of ways, such as if a driver moves and doesn’t update their address, they forget to make payments, or their payment information is out-of-date, among other things.
If a driver’s auto insurance policy has lapsed, the driver will likely have to pay for damages out of pocket.
If a person who has been in a car accident does not have a diagnosis for their injuries, or if injuries appear later, it can be difficult to prove that those injuries are related to the accident.
Car insurance companies and health insurance companies may try to argue that the driver’s injuries are pre-existing or unrelated to the car accident, making it difficult to obtain compensation or an insurance payout.
Insurance companies may also refer to a police report that states a driver was not injured at the scene to deny a claim.
It’s important that drivers avoid stating they have no injuries at the scene of an accident to avoid this situation.
Even if you believe you’re uninjured at the scene of an accident, you should seek a medical evaluation afterward to both make sure you’re in the clear and to also have documentation that you sought medical treatment.
If a driver’s damages from a car accident are greater than what their policy allows, an insurance company will not be liable to pay for all of it.
Oftentimes, car accidents will result in damages that reach far beyond one’s expectations, not only medical expenses and property damage costs.
Lost income, mental and physical therapy, transportation costs, and more can add up and may not be included in an insurance policy.
It’s important that drivers understand their policy limits and are aware of how much an insurance company will pay if they get into a catastrophic accident.
If an insurance company and driver do not agree on who is at fault for a car accident, a dispute over liability can arise.
This can be a problem if a driver only has liability coverage as they will likely have to pay for damages out of their own pocket.
If this is the case, the driver could benefit from hiring an auto accident lawyer in order to help with the insurance claim.
To bolster one’s chances of winning a liability dispute in an insurance claim, it’s recommended to get a copy of the police report that was produced at the scene of the accident so that you can determine who was listed as at fault and proceed with that information in mind.
If a driver is in an accident, they must notify their insurance company in a timely manner.
Failure to do so could jeopardize their chances of a successful claim.
Contact the insurance company as soon as possible so they can begin their investigation and you can attain the payout you rightfully deserve.
Too often, people will wait until after their mental and physical recovery to file a claim.
Most insurers allow 30 days to report an accident, but some enforce a smaller window of time and others allow longer periods to file.
Be sure to read over your policy and understand when you’re allowed to file a claim.
If a driver’s damages are not covered in their policy, the insurance company is not liable to pay out.
Certain, unexpected damages can occur after a car accident that are not written into some insurance policies.
Though one’s medical bills can be covered by insurance, other damages like lost income or earning ability, “out-of-network” medical care, therapy costs, and more are often left up to the victim to pay out-of-pocket.
If a driver does not provide accurate information or as much detail as is necessary on their car accident claim, their claim will likely be denied.
Even if the false information provided was a simple mistake, the insurance claim could still be denied.
Insurance companies expect inquiries to be extremely serious and completed with diligence.
Any indication that a claimant provided inaccurate information may result in a claims denial.
Filing a fraudulent claim is a sure-fire way to get an insurance claim denied.
Fraudulent information in an insurance claim can include: lying about damages, faking injuries, trying to collect insurance payouts for pre-existing conditions or injuries, and more will almost certainly result in a denial.
Filing a fraudulent claim could also open the possibility of the insurance company canceling a policy or issuing fines for differences in the application and actual costs.
Contact a lawyer who understands the ins-and-outs of car insurance claims to make sure you don’t file a fraudulent claim, leaving you to pay out-of-pocket for the expenses related to your car accident.
Typically, your own car insurance company will pay for the immediate treatment of car accident injuries until the maximum amount of coverage is reached.
Then, health insurance will pay for what is left uncovered by car insurance.
Your own car insurance and health insurance will typically cover the expenses of your injuries and property damage.
If another driver is found to be at fault for the accident, their insurance will reimburse your insurance’s costs.
It’s often misunderstood that another driver’s insurance company will immediately pay for your injuries and property damage.
The process for filing claims and sorting out liability take longer than the immediate need for medical care, so your insurance will cover (or attempt to cover) your costs, then deliberate with the at-fault party’s insurance company to reimburse your medical expenses and property damage.
If an insurance company denies your claim or an insurance company refuses to pay out, you might be wondering how you can get the compensation you deserve.
You will receive a claims denial letter in the mail that will outline why a claim was denied and what factors went into the decision.
If you’re dealing with a claim denial, you should consider filing an appeal for the claim denial.
In the appeal process, you can produce supporting evidence to validate your claim, such as police reports, accident reports, witness information, medical reports, repair estimates and more.
Along with copies of evidence, you should write an appeal demand letter that spells out why your claim denial was wrong and why you deserve an insurance payout.
During this process, it may help to contact personal injury law firms and see if an auto accident lawyer can help.
If your claim was denied unreasonably or benefits that are afforded within your policy were withheld, your claim denial could fall under Bad Faith law.
Bad faith laws vary by state, but generally an insurer is expected to act in good faith and honesty when dealing with claims.
According to Insurance Coverage Litigation, the conduct undertaken by insurance companies in which bad faith lawsuits arise include:
Insurance bad faith lawsuits aim to hold insurance companies to a standard when dealing with claimants.
With compensatory and punitive damages being relatively high in an average insurance bad faith lawsuit, insurance companies should be persuaded to not act unethically.
If you believe your insurance benefits are being withheld unethically, or your claim has been wrongly denied, consider contacting an experienced attorney.
Most attorneys that work in this field operate on a contingency fee basis, meaning that they do not charge for legal services unless compensation is won.
The insurance claims process can be confusing and overwhelming, especially for people who have just recently been through a traumatic car accident.
On top of that, having an insurance claim denied can make it feel like you have no path forward to financial remediation.
Car accident lawyers can help walk victims through the process of filing insurance claims and dealing with companies as they’re recovering from the trauma and injuries.
You can also have a lawyer talk to an insurance company, insurance agent or insurance adjuster on your behalf.
Car accident and personal injury lawyers are well-versed in the process of insurance claims and will make sure that you are compensated and made financially whole after an accident.
An experienced personal injury lawyer will also be able to recover damages that might not be covered by your insurance company such as:
If you’ve been in a car accident, consider contacting a personal injury lawyer for advice on your claim and to discuss the potential for legal action regarding your damages.
TorHoerman Law was responsible for handling a medical case for our family. I was extremely impressed with their professionalism and ability to react quickly. They also did a nice job keeping us updated with the case throughout the process. This was the first time experiencing a situation like this and Tor Hoerman law did an excellent job from start to finish.
TorHoerman Law is an extraordinary law firm – a firm that truly makes the client’s best interests the primary concern. Their team of personal injury lawyers are experienced, personable, and well versed in a range of litigation areas. They are supported by a dedicated team of staff that are as equally friendly and helpful. I would recommend TorHoerman Law for any personal injury litigation needs.
All of my questions were answered quickly and in a way I could understand. Steve and the entire staff were friendly and professional.
I highly recommend this law firm! The attorneys and staff at THL worked hard, communicated every step of the process, kept me well informed at all times, and exceeded all expectations! The staff is kind, considerate, professional, and very experienced. Look no further, call now!
Top-notch, hardworking attorneys!
A wonderful and professional legal team. They helped me when I needed expert legal representation! Thank you TorHoerman Law!
They contacted me the next day. Very nice people!
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