After an accident, filing a personal injury claim can feel like the first step toward recovery. You expect fairness, especially when you’re injured, unable to work, and dealing with medical bills. But not every claim ends in approval. In fact, many Personal Injury Claims get denied—and for reasons that may not always seem fair.
At Kearney Law, we’ve seen countless clients come to us after a denial, unsure what went wrong. Here’s what we’ve found to be the most common reasons claims get rejected—and what you can do to avoid them.
1. Delayed Medical Treatment
Insurance companies scrutinize timelines. If you wait days—or worse, weeks—before seeing a doctor, they may argue your injuries aren’t serious or even related to the accident. Immediate medical attention helps prove a direct link between the accident and your injuries.
2. Insufficient Evidence
Your word isn’t always enough. Supporting documentation like accident reports, witness statements, medical records, and photographs can make or break a claim. Without solid evidence, insurance adjusters are quick to dismiss claims.
3. Pre-existing Conditions
If you have a history of injury or illness in the same area you’re claiming, insurers may argue that your condition wasn’t caused by the incident. It’s important to work with legal and medical professionals who can clearly distinguish your new injuries from existing ones.
4. Statements That Hurt Your Case
Something as simple as saying “I’m fine” at the scene can be twisted to deny your claim. Likewise, anything you post on social media can be used against you. Always be cautious with what you say—online or off—after an accident.
5. Missed Deadlines
Personal Injury Claims must be filed within specific timeframes depending on the state and the type of case. Missing a deadline, even by a day, can lead to automatic denial.
6. Lack of Legal Representation
Without a lawyer, you may not fully understand your rights or how to navigate the claims process. Insurance companies know this and often take advantage of unrepresented claimants.
At Kearney Law, we believe everyone deserves a fair chance to recover what they’re owed. If your personal injury claim was denied, don’t give up. Let our team help you understand why—and fight to turn things around.
This post was written by a professional at Kearney Law. At Kearney Law, we’re dedicated to delivering personalized legal guidance that puts your needs first. Whether you’re looking for an attorney for personal injury near you, a Real Estate Attorney in Tampa, FL, a probate attorney near you, or a title attorney near you, our team is ready to provide the focused representation you deserve. We recognize that every client’s situation is different, which is why we take the time to understand your case and craft strategies that align with your goals. With a commitment to protecting your rights and securing the best possible outcome, Kearney Law offers trusted legal support with the attention and care you won’t find just anywhere.