At Atlanta Metro Law, we are a dedicated team of experienced car accident attorneys serving clients throughout the Atlanta area. We fight for injured victims and their families to help them recover fair compensation for medical bills, lost wages, and other damages. We know how stressful and overwhelming an accident can be, and we’re here to handle the legal work so you can focus on healing. If you need someone to stand up to the insurance company and protect your rights, we’re ready to help.
If your car accident claim is denied by insurance, you are not alone. Many Atlanta car accident victims face insurance companies that refuse to pay for medical bills, lost wages, and vehicle repairs. A denial does not mean you have to give up. You have legal options to fight back and seek the fair compensation you deserve.
In this blog, we explain why car accident claims are denied, what steps you can take to challenge a denial, and how working with an experienced Atlanta car accident attorney at Atlanta Metro Law can help you fight for the compensation you deserve.
Why a Car Accident Claim is Denied By Insurance Companies
Insurance companies deny many car accident claims every year. If your car accident claim is denied by insurance, understanding why can help you take the right next steps.
Disputed Liability
Insurance companies often deny claims if they believe their driver was not at fault. They may argue that you caused the crash or share blame for the accident. In Georgia, which follows a modified comparative negligence rule, if you are found 50% or more at fault, you cannot recover damages. This is why insurance companies quickly shift blame to car accident victims to avoid paying.
Lack of Evidence
A claim may be denied if there is not enough proof of what happened. Missing police reports, medical records, or witness statements can hurt your case. Insurance adjusters may say there is no clear evidence showing who caused the crash or whether injuries were related to the accident. Strong documentation from the accident scene is critical for your car accident claim.
Policy Exclusions and Lapsed Coverage
Sometimes, an insurance company will deny a claim because of policy exclusions or lapsed coverage. If the at-fault party’s insurance was inactive when the accident happened, you may not get paid. Some policies also limit coverage based on the type of accident, vehicles involved, or other factors. It is important to check all the facts and review the insurance coverage details carefully.
Medical Necessity Disputes
Insurance companies may reject claims for medical treatment they say was not needed. They often argue that car accident victims are exaggerating injuries or getting unnecessary care. They may also claim injuries were pre-existing and not caused by the car accident. This can block payment for medical bills and lead to more out-of-pocket costs for serious accidents.
Late Filing or Missed Deadlines
Insurance companies may deny a claim if it was filed late. Georgia law sets strict time limits for personal injury claims, including car accidents. Generally, you have two years from the date of the crash to file a lawsuit (O.C.G.A. § 9-3-33). Some insurance companies also have internal deadlines for when claims must be reported. Missing these can give them a reason to refuse payment.
Disputes Over the Value of Damages
Even if an insurance company accepts part of your claim, they may dispute how much they should pay. They might argue that the cost of medical care, lost wages, or car repairs is too high. They may offer a low settlement that does not cover all your economic damages. Car accident attorneys in Atlanta can help you fight for fair compensation if your car accident claim is denied by insurance.
Step-By-Step: What to Do If Your Car Accident Claim Is Denied in Georgia
If your car accident claim is denied by insurance in Georgia, you still have options to fight for fair compensation. Follow these steps to protect your legal rights and strengthen your case.
Step 1: Review the Denial Letter
Read the denial letter carefully. Look for the exact reason the insurance company gave for denying your car accident claim. Check if they are disputing fault, questioning medical treatment, or citing insurance coverage issues. Make sure you understand what evidence or information they say is missing.
Step 2: Gather More Evidence
Collect additional documents that support your claim. This may include medical records, doctor statements, police reports, photos of the accident scene, and witness statements. Get repair estimates for vehicles involved and proof of lost wages. The more facts you have, the stronger your case becomes.
Step 3: Contact an Atlanta Car Accident Lawyer
An Atlanta car accident attorney can review your claim, spot weak points, and deal with the insurance company. Lawyers know Georgia’s laws and can explain if the denial is valid or unfair. Many offer a free case evaluation, so there is no risk in getting help.
Step 4: Appeal the Denial
You can appeal directly to the insurance company. Send a formal letter explaining why your claim should be approved. Include all new evidence you gathered. Make sure to meet any deadlines set by the insurance company for appeals.
Step 5: File a Lawsuit if Needed
If the insurance company refuses to reconsider, you may need to sue to get compensation. A skilled Atlanta car accident lawyer can file the lawsuit and represent you in court. Under Georgia law, you usually have two years to file a personal injury lawsuit (O.C.G.A. § 9-3-33), so act fast.
How an Atlanta Car Accident Lawyer Can Help with a Denied Claim
A denied car accident claim does not have to be the final decision. An experienced Atlanta car accident lawyer at Atlanta Metro Law can take action to protect your rights and fight for the fair compensation you deserve.
Understanding Georgia’s Fault Laws
Georgia follows an at-fault system, meaning the driver who caused the accident is responsible for paying damages. Atlanta Metro Law’s car accident attorneys know how to prove fault, even when insurance companies try to shift blame to you. Our lawyers are familiar with Georgia’s comparative negligence law, which can reduce or eliminate your compensation if you are found partially at fault. We work to show clear evidence of who caused the accident, so you can recover the full amount you are owed.
Collecting Strong Evidence
The attorneys at Atlanta Metro Law gather the right evidence to support your car accident claim. This includes police reports, witness statements, medical records, and photos from the accident scene. We also work with experts when necessary to explain how the crash happened and how it caused your injuries. Our goal is to make sure no detail is left out when presenting your case.
Negotiating with the Insurance Company
Atlanta Metro Law deals directly with insurance companies so you don’t have to. Insurance adjusters often deny valid claims or offer low settlements that do not cover your damages. Our Atlanta car accident attorneys know how to push back and demand fair compensation for medical bills, lost wages, and vehicle repairs. We handle all communication and fight for the maximum compensation under Georgia law.
Filing a Lawsuit if Needed
If the insurance company refuses to settle, Atlanta Metro Law is ready to take your case to court. Our car accident lawyers file lawsuits, meet court deadlines, and represent you at trial if necessary. We know how to present strong cases to judges and juries to get the best possible outcome for our clients. Under Georgia law (O.C.G.A. § 9-3-33), you have only two years to file a personal injury lawsuit, so it’s important to act quickly.
Let Atlanta Metro Law Handle the Stress
If your car accident claim is denied by insurance, it can be overwhelming and time-consuming. The legal team at Atlanta Metro Law takes care of every detail, so you can focus on healing. We manage all legal paperwork, handle the insurance company, and keep you informed about your case. Our goal is to make sure you get fair compensation without having to fight alone.
Consult With Atlanta Metro Law About Your Car Accident Claim ASAP!
If your car accident claim is denied by insurance, you don’t have to accept that decision or handle it on your own. Our team at Atlanta Metro Law has helped many Atlanta car accident victims fight back against unfair insurance denials and secure the compensation they deserve for medical bills, lost wages, and property damage. We know how insurance companies operate, and we are ready to stand up for your rights.
Contact us at 864-894-2045 for a free claim review today!
