Most of us feel secure in the knowledge that our insurance policies would take care of our medical expenses in the event of a car accident. Ontario laws also provide for statutory benefits from your own insurers regardless of fault when you are injured in a motor-vehicle accident. The injured also have the option to file a claim for compensation against those whose negligence or fault caused the accident.

However, in reality, claiming compensation due to you even from your own insurance company can be a frustrating and stressful experience. It’s important to know how to select a personal injury lawyer who can assist you with the entire process and ensure that all issues arising from it are handled properly. 

Why Claims May Be Denied

Sometimes, a claim is denied and this can lead to huge disappointment and distress in the injured victim and the family who are dependent on the compensation amount to cover the loss of income/wages, spiraling medical and rehabilitation expenses, and other costs related to the accident.

Insurance-companies typically attempt to deny/dismiss claims to reduce or avoid settlement pay-outs from a purely business point of view. They subject all claims to intense scrutiny to find loopholes or technical issues that can be cited to this end.

Typical reasons why your claim could be denied include:

Preventable accident: Upon analyzing the reasons for the accident, insurance-company representatives may inform victims that this was an avoidable accident and that it was their own negligence/fault that caused or at least contributed to it. An experienced accident injury lawyer available 24×7 can conduct independent investigations to clearly establish the fault of the opposite party if this was the case.

Medical Treatment Not Availed Of: A 24×7 injury lawyer can advise you that it’s crucial you get medical attention immediately following the accident. Many people assume that their injuries are minor and fail to visit a doctor at once, and later discover that the situation is more serious than previously thought. By then, it’s too late to file a compensation claim. Sometimes, victims fail to visit doctors because they lack the funds. Our top Toronto personal injury lawyers can undertake to pay all your medical expenses till final settlement is achieved.

It’s also crucial to keep all medical records, bills, prescriptions, test-reports etc to prove that you were indeed injured.

Previous medical history: Many insurance-companies deny claims citing the fact that victims’ previous medical history is responsible for the pain/suffering and not the accident-related injuries. The best accident injury litigation lawyers in Ontario, Canada can assemble expert medical testimony to contest such claims.

Your insurance-company may simply be acting in an unethical manner or bad faith in denying your claims. In such cases, an experienced personal injury lawyer can help you deal with such issues.

Insurance industry regulations are subject to frequent revisions, revocations, changes, amendments, etc and top-rated accident injury lawyers who deal with such cases regularly keep abreast of all the latest developments not just in the insurance sector but also in personal injury laws.

If you, your family or a friend has been injured in an accident, please feel free to speak to one of our injury lawyers for a free consultation about how we are able to assist in making a personal injury claim. We consult in all cities across Ontario with a no win no fee guarantee. Our personal injury lawyers have helped victims secure millions of dollars in personal injury cases. Call us Toll Free On our 24/7 Injury Hotline: 1 – 844 495 7333 or Text a Personal Injury ‎Lawyer 24/7 and get instant help. (416 931 5015)