Tactics Insurance Companies Use to Deny Atlanata Car Accident Claims


May 12, 2013

One of the worst things imaginable is being involved in a car accident, which can have serious emotional and physical consequences for all parties involved.  One of the most difficult challenges, other than getting over your injuries, is having to deal with your insurance company.  Specifically, insurance carriers are adept at denying valid car accident claims for a whole host of reasons.

The fact that insurance companies - both in Georgia and across the United States - get away with doing this is rather unfortunate, and often leaves people frustrated, depressed and uncertain as to how to move forward and recover from their injuries and financial losses.  As such, it is important to become familiar with the most popular tactics that insurance companies use to deny claims, which are as follows:

  1. Insurance carriers know your policy language inside and out.  That being said, you must review your policy and understand what your rights and obligations are, especially before an accident occurs.  Take the time to sit down with your insurance agent and ask questions so that you know exactly what you are dealing with and also, so that you both are on the same page.
  2. If impaired driving is involved in your accident - whether it be due to drugs or alcohol - your insurance company will likely try to deny your claim.  Many times insurance companies assert in their policies, sometimes in barely legible writing, that they are not responsible for accidents caused by impaired driving. Again, familiarizing yourself with your insurance policy language is the first step you should take in dealing with your insurance company.
  3. If you have had a pre-existing injury, you should expect to have your insurance company point this out in denying your claim. Specifically, if you suffered from an injury to your back or neck in a previous accident, your insurance company will likely assert that the current accident is not the cause of these problems – even if your current neck or back condition is worsened as a result of the collision. However, worsening of a pre-existing injury is considered a new injury for purposes of a damage claim!
  4. Insurance companies often try to show that you were at fault for the accident, and therefore responsible for covering your own injuries. Insurance carriers will also try and reduce your amount of compensation by also showing that you were partly to blame for the accident.

If you or someone you love has been injured in an auto accident in Georgia, you should immediately consult with an experienced Georgia personal injury lawyer.  At Montlick and Associates, Attorneys at Law, our Georgia auto accident law firm has been successfully representing personal injury victims located throughout the Atlanta area as well as Northern Georgia for nearly three decades.  We offer clients an unparalleled commitment to fighting for their legal rights, whether in trial or during settlement negotiations.  We also work steadfastly to maintaining our reputation of being the top automobile accident lawyers in the State.

The Atlanta auto accident attorneys at Montlick and Associates, Attorneys at Law, tirelessly represent personal injury victims located throughout Atlanta and the entire State of Georgia, as well as in Southeast.  We also cover all smaller cities and rural parts of the State as well.  Regardless of your location, our lawyers are just a phone call away, and we will even visit you if you cannot come to us.  

To schedule a free confidential case evaluation, you can call us 24 hours a day/7 days a week at 1-800-LAW-NEED (1-800-529-6333). You can also visit us online at www.montlick.com and use our Free Case Evaluation Form or 24-hour Live Online Chat.

Category: Auto Accidents

Please Note:
Many of our blog articles discuss the law. All information provided about the law is very general in nature and should not be relied upon as legal advice. Every situation is different, and should be analyzed by a lawyer who can provide individualized advice based on the facts involved in your unique situation, and a consideration of all of the nuances of the statutes and case law that apply at the time.