Common Insurance Company Excuses Used To Deny Claims
Insurance companies care about their bottom line as they rightfully should; however, in most cases, they do so at the expense of an injured individual who desperately needs the money so they can help pay for their oftentimes astronomical medical bills after a Chicago personal injury event. To this end, these crafty entities have a litany of excuses they rattle off when denying your claim, making it almost impossible or inadvisable to handle your Illinois personal injury case on your own.
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The Police Report Excuse
An insurance company representative may point to the fact that there were no complaints of pain at the scene of the accident after your Illinois truck accident. While this may be factually true, the reality is that most people, due to shock, won’t feel any pain immediately, and it may take about 2 to 3 days for internal injuries to cause swelling and tenderness, thereby eliciting pain. That being said, it is important that you seek treatment immediately after your accident so you can have a doctor write up a report to safeguard your legal rights.
The Closed File Excuse
Many a claimant will receive a call from the insurance company stating that they have closed your file. This usually happens in 30 days’ time. While this call is enough to make the most rational of us panic, it is important to realize that closing your Chicago car accident legal claim file isn’t the end of everything. The statute of limitations applies, and closing usually just means that your claim has been made inactive. This is a tactic the insurance company uses to pressurize you into making a decision to settle your claim for a paltry amount. If you get the closed file excuse, just step back and call us at 1 (773) 825-3547 for more information on what to do next.
The “You Were Partially To Blame” Excuse
You may have done something to partly cause your accident such as make a quick lane change in order to avoid a potential collision. That being said, even when you had a part to play in your Chicago personal injury case, you may be able to collect compensation under the comparative negligence statute.
When The Excuses Keep Coming, Call Us!
Insurance companies handling your Chicago personal injury lawsuit may also point to the fact that evidence went missing and that it was necessary to have it examined by an expert in order to prove what you are claiming as facts, or that there were no witnesses to corroborate your testimony. As a first-time claimant, they will throw everything at you and see what sticks. This is why it’s so important to work with an Illinois personal injury lawyer so you can beat them with our experience and superior knowledge of the law. Need help? Call our best Chicago personal injury lawyers NOW at 1 (773) 825-3547 to see what we can do for you. We look forward to hearing from you.