Top 10 reasons Insurance Companies Won’t Pay Your Accident Claim

Remember insurance companies are in the business of taking in premiums and paying out as little as possible.  These are the top five reasons that most experienced Doctors have seen, used by car insurance companies to avoid paying claims.

1. You have prior injuries or conditions that prohibit them from paying your claim.  Having pre-existing conditions at the time of your condition is a big factor to consider when your claim in being evaluated.  It has been noted in many research articles that having pre-existing conditions will actually make it easier for you to get injured.  The easier it is to get injured also leads to more severe injuries and a worse overall outcome.

2. You’ve waited too long after your accident to seek treatment.  Seeking appropriated medical care is very important to your health and your case.  If you wait for an extended period of time the insurance company states that you weren’t injured or injured enough to seek treatment.  Thus denying your claim.  If you’ve been injured, seek treatment immediately and call us at

3. You’re too late: We’ve closed your case.  This is a common response from insurance companies regardless if you’ve been seeking treatment or not.  They simply tell you that your case has been closed in the attempt to make you think that you cannot open a case or you exceeded your time period.  This is one of the simple tricks they pull to make you feel that you’ve done something wrong and now as a result, you aren’t able to make a claim.  The truth is that the only time frame for your case is the “statute of limitations” and in Colorado that runs for three full years after your crash.  Just because you didn’t fill out their forms immediately after your crash doesn’t mean that you can’t file your case.  However if you haven’t been seeking treatment you can’t simply file a case within those three years.  You have to be seeking treatment.

4. The police report states that there weren’t any injuries from your crash.  First of all Police officers are not Doctors nor do they treat injuries.  They are there to enforce the law, document your crash, and ensure the safety of everyone.  It is very common for officers to write on their reports that there weren’t any injuries indicating that no one went to the hospital via ambulance.  Many times injuries don’t present themselves immediately following a collision.  Delayed injuries sometimes take days to weeks to fully present.  Police officers don’t diagnosis injuries; just because they can’t see your injuries does not mean that you haven’t been injured.  These hidden injuries need to be appropriately addressed so they don’t magnify and worsen over time.

5. Our Doctor says that you couldn’t have been hurt or hurt as bad as you are.  Of course this is what they are going to say, remember they are in the business of taking your premiums and denying payments.  All insurance companies have medical experts review your file and give an opinion that the majority of the time states that your injuries sustained aren’t consistent with the type of crash that you were in.  There are hundreds of variables to take into account for each and every auto accident and they are generalizing your case.  These medical experts have never seen you or discussed your injuries; their opinion is just that; an opinion.  To rebut their opinions you have to have specialized Doctors that are able to justify your injuries and prove that your treatment was reasonable and necessary.  This is exactly what we do at The Denver Integrated Spine Center.


6-10 To Be Continued…….