One minute you were driving, and the next you were in an accident. You were injured and your car was wrecked, and you have lost wages from missing work. It wasn’t your fault. You did everything you were supposed to do, from filing a police report, snapping pictures of evidence and damage, getting medical treatment right away and filing a claim with your insurance company. But now in your hands is a denial letter, and you are angry and confused. You feel wronged by the insurance company. You were paying the insurance company to protect you in case of an accident, and now that you need them to hold up their end of the deal and pay damages, they refuse.

If you find yourself in this situation, it is easy to feel overwhelmed and anxious about how you will pay for the damages and medical expenses. You wonder how you will get your finances and life back on track after missing work. Insurance companies are in business to make a profit, and the way they can profit is to collect premiums while minimizing payments for accidents. You feel this is wrong, the accident was not your fault and you deserve compensation from the insurance company.

Why was my claim denied?

There are many reasons an insurance company denies claims. They may decide you took too long to file a claim, or say that you failed to submit documents or proof. They may say they are not liable and claim the accident didn’t really cause the injuries you reported. They may claim the type of accident you were in is not covered by your policy. Don’t fret – there are steps you can take if your claim was denied.

Have your claim evaluated by an attorney

The first thing many people do is have their claim reviewed by an attorney experienced in insurance disputes, motor vehicle accidents and personal injury. An attorney can help you better understand why your claim was denied, and how you can show the insurance company they are responsible for paying your damages, lost wages and medical expenses.

You can appeal the decision

Appeals procedures differ for each insurance company. The denial letter may give you specific instructions on how to appeal the claim decision. Your insurance policy can also provide guidelines for appeal and next steps. An insurance attorney can help you make sure you are following the appeals process appropriately.

You can file a lawsuit

If the insurance company will not pay for your vehicle damage or injuries, you can file a lawsuit. For a severe car accident, you can file a personal injury lawsuit in civil court. Here, you are able to sue other parties such as the negligent driver who caused the accident, and their insurance company. You also have the choice of suing your own car insurance company if they denied your claim in bad faith.

If your car accident was not severe, you have the option of filing a suit in small claims court. These courts generally take cases involving damages $5,000 or less. Some small claims courts resolve matters through mediation, rather than litigation.

If you are interested in taking any of these routes, or are unsure which option is best for you, an attorney can help you evaluate your options and decide the best legal path for you to take. Getting justice is possible with the help of someone familiar with these situations, and whose job is to hold insurance companies accountable when they act in bad faith.



Protect Yourself And Family Members Injured In An Accident


If you have been injured in an auto wreck, including a work vehicle wreck, or injured in any other way that was caused by someone else’s negligence or wrongful act, you may be entitled to compensation that fully covers medical expenses, lost wages, pain and suffering, long-term needs and other costs. The insurance company is not on your side. With representation from Terrel B. DoRemus & Associates, your best interests are our best interests. We will help you get the fair compensation you deserve and advocate aggressively on your behalf in the case of insurance disputes.

Challenging The Criminal Charges You Face — Defending Your Future

We defend clients throughout the state who have been charged with criminal and juvenile offenses, including misdemeanors and felonies of all types. It pays to have an aggressive and talented trial lawyer on your side to ensure the consequences of charges are reduced to the greatest possible extent.

Guard Your Driving Privileges And Minimize Costly Penalties

Traffic fines and serious violations can wreak devastating havoc on your life. We can advise and represent you in all traffic offense matters, protecting your license and freedoms and aiming to minimize fines and insurance implications.

Proper Estate Planning Saves Everyone Time, Money And Stress

If you are 18 years old or older, it is critical to have your affairs in order legally. Our estate planning services cover wills, trusts, powers of attorney, health care directives, end of life medical care, guardianships, conservatorships, estate administration and probate.

Contact DoRemus & Associates Now For Prompt Assistance

We are committed advocates for our clients. Our staff will provide you with individual attention, and we will handle each of your legal needs. Give us a call or use our contact form to schedule a free consultation in English or Spanish.

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DoRemus & Associates is Conveniently Located With Ample Free Parking At The Crossroads Of Highway 169 And The Broken Arrow Expressway

Terrell B. DoRemus & Associates

10202 East 41st Street, Tulsa OK 74146

Fax: 918-477-7712

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