Was Your Insurance Claim Denied? We’re Here to Help.
If you have been seriously injured due to another person or organization’s negligent actions, you should be compensated for your injuries. After all, you have been paying the premiums for years. What we see at the Johnston Law Firm is insurance companies challenging or disputing your claim. They refuse to pay you the money you are owed, and provide a long list of exclusions and reasons why. As your attorney, we are confident in our ability to negotiate with your insurance company, and the insurance company of the liable party, and work toward recovering full and fair compensation on your behalf.
Our firm provides legal advice and representation to residents of communities throughout Oregon and Washington in a wide array of insurance coverage disputes, including:
While the above list reflects the types of insurance coverage disputes we handle most frequently, we encourage you to contact us with disputes not referenced here. If we are unable to help you, we will make sure to point you in the right direction so you can get the help you need and deserve.
At the Johnston Law Firm, we do not handle insurance claims involving damage to property.
Why Your Insurance Claim May Be Contested or Denied
- The insurance adjuster claims a policy exclusion. One of the ways that an insurance adjuster will try to deny your claim and save the insurance company money is to claim that a policy exclusion exists. This means that while the insurance adjuster is indeed recognizing that you’ve suffered an injury or damages and should be compensated, they’re also saying that your policy doesn’t cover those specific damages or the way in which they were incurred. This is especially common with homeowners’ insurance claims, but can also happen with motor vehicles and other injury claims, too.
- You’re told that you didn’t give the insurance company enough notice. When you are involved in an accident and suffer damages, you have a duty to provide your insurance company with notice of the accident within a reasonable amount of time. Typically, our lawyers recommend that you provide notice within 24-48 hours; however, you should check your policy to determine whether or not there is a specific time frame in which you must report, or else risk claim denial.
- You have a pre-existing condition. If you have a preexisting condition, an insurance adjuster could use this against you to claim that they don’t owe you money for a new injury you’ve suffered, because that ‘new” injury was actually preexisting. For example, say you had a knee surgery two years ago, and in your slip and fall accident, that injury was seriously aggravated to the point that you need a second surgery. While an insurance adjuster may try to get off the hook for paying for this, you deserve to be compensated for all new injuries you sustain, including the worsening or aggravation of existing injuries.
- You haven’t done your due diligence to avoid further injury/heal to the extent possible. When you are involved in an accident, it’s very important to follow your doctor’s orders related to your medical treatment. If you don’t, the insurance adjuster may argue that you didn’t do your due diligence to mitigate further harm and that if you had, you would have healed to a greater extent than you have. The best way to get ahead of this is to follow your doctor’s order to a T and to keep a thorough record of all the care you receive. We also recommend staying off of social media, as an insurance adjuster may try to follow you online to obtain evidence that can be used against you.
- There are limited medical records. Another thing that may harm your claim is in the event that there are limited medical records/evidence to support your claim for injuries. For example, if you are claiming that you broke your arm in a car crash but there is no record of you going to the hospital after the crash, or if there is no record of an actual bone fracture, you’ll have a very hard time recovering a settlement. This is one of the reasons that we always advise our clients to seek medical care immediately after a crash, even if they don’t think they’ve been seriously injured. Make sure you request a copy of all of your medical bills, prescriptions, and other relevant documents, too.
- The insurance adjuster argues that you were at fault for the accident. Finally, one way that an insurance adjuster may be able to wiggle out of paying your claim is by making the argument that you were at fault for the accident, and therefore their client’s liability insurance policy should have nothing to do with compensating you. Watch out for this argument, and be sure you have a skilled attorney on your side to protect you!
Contact a Portland Insurance Claim Denial Lawyer
If you have questions regarding insurance coverage and denials, contact the Johnston Law Firm by calling 503-546-3167 or via the e-mail form on this website. We offer a free initial consultation and flexible hours by appointment.
Johnston Law Firm, P.C. proudly represents clients in all cities and counties in Oregon: Portland, Gresham, Milwaukie, Lake Oswego, Tigard, Beaverton, Hillsboro, Multnomah, Washington, Clackamas.
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