The “No” That Costs You Thousands
You’re sorting through the mail when you see it—the letter from your insurance company. You rip it open, half-expecting a check. Instead, you get one word that makes your stomach drop: DENIED.
Wait, what? You did everything right. Reported the accident. Provided medical records. Answered every call. And yet, here you are—facing a mountain of bills with no help in sight.
Time to panic? Not quite. The Law Offices of Gerald Marcus handles car accidents law and knows exactly how to flip that “no” into a solid “PAY UP.” Here’s how.
Insurance Denial 101: Their Favorite Excuses
Insurance companies deny claims faster than you can say “fine print.” Their reasoning? Usually something like:
- “Your injuries aren’t that serious.” Oh, so now they have a medical degree?
- “It was a pre-existing condition.” Because clearly, your whiplash from this accident must be from the trampoline you had in 7th grade.
- “You missed a deadline.” Never mind that they conveniently forgot to tell you about it.
- “We don’t believe you.” (That’s not the exact wording, but it’s the vibe.)
The good news? A lawyer can call out these weak excuses and demand real answers.
Step One: Digging for the Truth
Insurance companies hope you’ll take their word for it. A lawyer? Not so much.
- Reviewing the denial letter. The fine print matters—every technicality, every loophole.
- Pulling out the receipts. Medical records, accident reports, witness statements—evidence insurance can’t ignore.
- Consulting experts. If they’re questioning your injuries, a medical professional can shut that down.
The goal? Find the cracks in their argument—and widen them.
Step Two: Calling Out the Games
Some insurance companies don’t just deny claims. They delay, confuse, and frustrate you into giving up. Classic bad faith tactics include:
- Ghosting you. (Funny how they answered right away before the accident.)
- Changing their reasons for denial mid-conversation.
- Offering a lowball settlement, hoping you’ll just take it.
A lawyer spots these tricks instantly—and knows how to counter them.
Step Three: Negotiating Like a Shark
Insurance adjusters negotiate for a living. So does your lawyer.
The difference? Adjusters work to save money. Your lawyer works to get you money.
- No more shady phone calls. Your lawyer handles every conversation so you don’t get tricked.
- Real numbers, not lowball offers. If they offer pennies, your lawyer demands dollars.
- Leverage. When they know you’re serious (and legally backed), suddenly they’re more “willing to cooperate.”
Step Four: Taking Them to Court (If They Push Their Luck)
If they refuse to budge, fine. Game on. Filing a lawsuit forces them to think twice—because now they’re facing legal fees, court costs, and the risk of losing big.
Insurance companies hate court. A solid lawyer can use that to your advantage.
You Don’t Have to Accept Their “No”
A denial isn’t the end of the road—it’s just a roadblock. And roadblocks? Those can be bulldozed.
The Law Offices of Gerald Marcus handles car accidents law and fights for the payouts insurance companies try to avoid. So if you’re tired of their nonsense, it’s time to push back.
Need backup? Get a legal team that makes insurance companies nervous
