What Happens When Insurance Won’t Pay for Injuries

What Happens When Insurance Won’t Pay for Injuries

Do you have options? Are there alternative routes available? Most people avoid getting medical care because they can’t afford it, but after a crash, your injuries likely demanded medical attention. Now you’re left with bills, and the insurance company says they won’t pay.

You do have options, but which options are available to you depend largely on your particular situation. The details of your car crash and the people involved will profoundly impact how much compensation you can expect.

Outright Denial

So, your insurance company or the involved insurance company says that you didn’t have the injuries from the crash. How can they prove that and why would they believe that was true?

Well, many insurance companies will request your medical records to try to find an associated injury or past injury. Then they’ll try to pin your medical expenses on that injury.

You don’t have to put up with this. You can work with your doctors to acquire written statements. Work to prove that your prior injury was either wholly healed at the time of the crash or was aggravated from the new injuries.

North Carolina requirements for minimum car insurance include a $25,000 policy for bodily injury of one person. Anyone with an insurance policy should have access to this for compensation for medical expenses.


The insurance company may say that your coverage won’t pay for your injuries because you were at fault. Because North Carolina is an at-fault state, someone in your crash will have fault assigned to them. If that is, you then you need legal help to show that this was not your fault.

If you have liability insurance, then your coverage will not include compensation for your injuries. However, given that you should fight to show that this wreck was not your fault, you should receive benefits from the other driver’s insurance even if they only have liability coverage.

Under and Uninsured Motorist

Is it possible that your expenses exceed the coverage of the other motorist and your own coverage as well? Although it’s not always likely, severe injuries come with hefty medical costs. If part of your injuries aren’t covered because they exceed the insurance coverage, then you needed UM.

What is UM? Under and uninsured motorist coverage acts as an extra layer of protection for all drivers. However, a lot of drivers don’t believe that they need this type of coverage. UM is something that people realize they needed in hindsight.

If you don’t have UM coverage now, it’s advisable to add it onto your policy. If you were already in a crash and your injury expenses exceeded the coverage, you have another option.

Filing a Suit Against the At-Fault Person

If all else fails with insurance, you may consider filing a lawsuit, or suing, the at-fault party for personal injury. You must show negligence or carelessness and carefully present your case. However, for many people, this is only a last ditch effort.

Why? Your lawsuit may not have a favorable outcome, it may take a substantial amount of time, and it may be challenging to collect afterward. Imagine if someone is not willing to pay for minimum liability insurance, then they may not be able to cover your medical bills.

Additionally, most lawyers will not advise clients to seek a personal case against the at-fault driver because of the associated costs. It may cost you more to take this person to court. Then it would pay the difference between the coverage and your medical bills. 

Many drivers don’t have the assets or property to compensate an injured person for the damages. If you feel like you need to sue this person discuss the benefits and disadvantages of this decision with an attorney.

Getting Legal Help

When you’re injured in a lawsuit, there’s no doubt that you need compensation. That’s what most drivers pay their insurance companies for, the safety net of a payout after a crash. Unfortunately, when people or victims don’t have adequate coverage, it can feel like the system failed. 

The best thing that you can do is to have insurance coverage that you feel comfortable will cover any damages you need in the event of a crash. Be sure to add uninsured and underinsured motorist coverage as well, just in case.

Finally, if you have to, consider the option of a suit for personal injury. These cases don’t always turn out as planned, but for some people, they’re the only options available.

Contact the lawyers at Hurt.com to find out what your best course of action is given your circumstances.

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