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Offices
Indianapolis Office:
2850 North Meridian Street
Indianapolis, IN 46208-4713
Phone: 317-926-1111
Fax: 317-926-1411
Toll Free: 800-253-5537
South Bend Office:
16658 Cleveland Rd
Granger, IN 46530-9186
Phone: 574-277-7773
Fax: 574-271-3337
Terre Haute Office:
1617 S 3rd St
Terre Haute, IN 47802-1013
Phone: 812-235-5600
Fax: 812-235-7800
Michigan Office:
814 Port Street
St. Joseph, MI 49085
Phone: 269-983-7333
Fax: 269-983-7377
New Mexico Office:
505 Marquette NW
Suite 1300
Albuquerque, NM 87102
Phone: 505-938-2300
Fax: 505-938-2301
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Indianapolis Personal Injury Blog
Indiana accident attorneys at Keller & Keller LLP have provided this injury blog in order to keep their readers up to date on all of the most recent personal injury news, accidents, and events taking place around the state. We encourage our clients and those who have recently been involved in an accident to visit regularly and join the discussion.46 excuses the insurance company will use to deny or limit your personal injury claim!
1. The injuries you claim to have sustained in your auto accident are actually related to a prior injury or condition from a previous accident or physical illness.2. The insurance company has "closed" your file.
3. The police report does not indicate that you had any complaints of pain at the scene of the accident.
4. You were not wearing your seat belt.
5. The condition of your car contributed to, or caused, the accident: the tires were worn, your brakes weren't working, your tail lights were out, or your turn signal wasn't working.
6. You were not licensed to drive or were using a suspended license.
7. You did not react quickly enough to avoid the collision.
8. You made an abrupt or unnecessary stop.
9. You made a lane change without using your turn signal.
10. You did not go to the hospital immediately after the accident.
11. Your complaints to the doctor were minimal.
12. Your complaints to your family doctor did not match the complaints you gave to the staff in the ER.
13. No one called the police after the accident.
14. You were partially at fault for the accident.
15. No one else was injured in the accident.
16. Your name is not listed on the police report.
17. You did not have auto insurance.
18. The property damage was not severe.
19. The police responded but a report was never made out.
20. You did not take an ambulance from the scene of the accident.
21. You have been in multiple accidents prior to your current accident. (You seem to be a magnet for collisions.)
22. Physical evidence (lights, brakes, tires, etc.) was lost and it is necessary to have it examined by an expert to prove your version of the facts.
23. There are no independent witnesses to prove your version of the events.
24. You had no objective signs of injury at the scene of accident: cuts, broken bones, bruises, etc.
25. You were/are under a doctor's orders not to drive, or were/are on prescription medication.
26. Your pain and symptoms caused by the accident vanished shortly after the accident.
27. The type of injury you sustained could not have possibly been caused by the accident (rotator cuff tear, headaches, etc.).
28. You have trouble explaining the accident, thus your credibility is in doubt.
29. The at-fault driver was acting as a "reasonable person" while operating their vehicle and is not at fault.
30. You were at fault, or partially at fault, for exceeding the posted speed limit.
31. The police report contains errors.
32. You exaggerated the at-fault driver's actions and are therefore an unreliable source.
33. You missed a doctor's appointment.
34. You had hearing or vision defect and weren't wearing glasses or hearing aid.
35. You didn't notice the wrongdoer until impact or immediately before impact and therefore weren't attentive.
36. Your recollection of times, speeds, distances is inaccurate, thus your credibility is questionable.
37. You were not the first vehicle in the intersection.
38. You exaggerated your complaints related to the accident according to your medical records.
39. Your injuries were totally "subjective" i.e., no indication of injury from X-rays, MRI, orthopedic tests or other observation.
40. You were examined by a doctor that was recommended by the insurance company soon after the accident and were found to be uninjured and not in need of treatment.
41. You have a history of mental illness or emotional problems, thus making you unreliable.
42. You made a statement to the insurance company that you were not injured in the accident.
43. You failed to give proper and timely notice to governmental bodies, thus your claim is barred.
44. You had chronic-type complaints per past medical records, or have unrelated medical problems that have merely exasperated the injuries you suffered in your accident.
45. An act of God or unidentified person was responsible for the accident.
46. You were talking on your cell phone at the time of the accident.
Category: Insurance Claim Denial
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