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Personal Injury Lawyer

Kansas attorney gives a few reasons why your insurance company might deny your claim

It’s bad enough your car was wrecked while driving down the Kansas turnpike, or your roof was damaged by hail but now your insurance company has denied your claim! There are various reasons that people in Wichita, Hutchinson and Emporia all run into the same problem: your insurance agent didn’t give you all the information when you purchased your policy. What they should have told you is…


If any of the information you gave your insurance company is incorrect when you filed your policy, they can deny your claim due to misrepresentation. Your claim quickly becomes “fraud” if you answer any questions incorrectly. It can be anything, big or little, what is vital to your policy or something that seems insignificant. Often, they will ask tricky questions. For example, they may ask if you have seen a doctor in the last two years. Even going in for a physical exam counts as a “doctor’s visit.” If you have been accused of misrepresentation on your policy application you need a Kansas insurance injury lawyer skilled at dealing with insurance companies that look for excuses to avoid paying out on claims. The law does not give the insurance company the right to make up rules about coverage as they go along. A good Kansas insurance injury attorney can make sure they follow the rules that Courts have set.

Report everything immediately

You have some stiffness in your neck, or maybe you’re suddenly suffering from headaches every day. Report it. If you don’t say anything and it later becomes a more serious issue, they’re going to tell you “too bad.” This happens even in claims you make against someone else’s insurance when it was not your fault. The insurance company will try to claim that a delay in treatment must mean the injury was not due to the car wreck. If you have been injured a good Kansas injury lawyer can explain all the tricks the insurance company will use so that you can protect your self from being abused.

Prevent additional damage

If a Kansas storm or tornado does damage to your roof, use tarps to prevent water from leaking in and causing more damage to the house. Your insurance may not cover the damages if they can prove you had time to prevent further damages. This is called failure to mitigate damages. It can also occur in an injury case if you fail to follow your doctor’s instructions or don’t go back to work when your doctor releases you. Insurance companies use tricks like this all the time to cheat car wreck injury victims out of the money they need to survive. While it is true in some cases that not following a doctor’s instructions can make a person worse, often times a person does not get follow up treatment because they cannot afford it and the insurance company won’t help by paying for medical care along the way. A good Kansas car crash attorney understands these games and can help you navigate the trick waters of making a claim for your injuries.

Before you make a decision on where to buy insurance, make sure to meet with the top independent agents in your area. For a few more tips on what the insurance companies won’t tell you, read our article here.

To read about the top five worst insurance companies, click here.

If you have had a Kansas car wreck injury that was not your fault and need medical treatment, you need an experienced professional who can help you get back on the road to recover. Call us today at 316-269-1414. Our Kansas personal injury attorneys will provide you a free initial consultation and if we take your case you don’t pay a dime unless we recover money for you. Even then we only take a percentage of the total amount of your recovery.

If you have questions on what you should be looking for when you are making a decision to hire a Kansas personal injury lawyer, read our article located here.

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Ray Hodge & Associates proudly represents victims and their families across the state of Kansas, including Wichita, Andover, Derby, Goddard, Haysville, Mulvane, Rose Hill, Newton, El Dorado and Hutchinson. Call today for a free consultation all over the state of Kansas. We have proudly served clients in Sedgwick, Butler, Sumner, Harvey, Kingman and Reno Counties.