Scammed by Your Insurance Company?

Take Back Control After a Claim Denial in Garden City

Getting your insurance claim denied is beyond frustrating. Whether you're dealing with medical bills or lost wages, you need a local personal injury lawyer who knows how to fight back. You’re already dealing with the stress of an accident, and now your insurance company is giving you the runaround. It’s unfair, it’s exhausting, and it’s time to fight back.

As a trusted Garden City law firm with decades of experience advocating for clients, we know exactly how insurance companies try to weasel out of paying. We’ve seen it all—and we know how to stop it. We handle the stress while you focus on getting your life back on track.

Insurance Companies Will Do Anything to Deny Your Claim-Here's How They Get Away With It

Insurance companies don’t make billions by playing fair. They use every trick in the book to reject claims, hoping you’ll give up. Knowing their tactics gives you the power to push back.

“Technical Errors” – The Lame Excuses They Love

Insurance companies often deny claims over tiny mistakes, like:

• Typos or missing information: Even a small error can be an excuse to delay or deny your claim. Always triple-check your forms and documents before submitting them. Read more.
• Missed deadlines: If you don’t file on time, they’ll gladly use it against you. In New York, you generally have three years to file a claim, but insurance policies often set even tighter deadlines. Don’t wait—act fast. 

Blaming You for the Accident – Their Favorite Trick

Insurance adjusters are trained to make you doubt yourself. They’ll argue:

• You caused the accident: If they can pin any part of the blame on you, they’ll try to reduce or deny your claim. Gather evidence, like photos of the scene, police reports and witness statements, to prove otherwise. 
• The accident was “avoidable”: Sometimes, they’ll claim you could have prevented the accident—just another way to deny you the money you deserve. Surveillance footage and expert opinions can shut this down. 

Claiming Your Policy Doesn’t Cover the Accident – The Fine Print Trap

Another favorite move? Pretending your policy doesn’t cover your accident. They’ll argue:

• Your accident falls under an exclusion: Some policies have confusing clauses that insurers use to deny claims. Read your policy carefully, and don’t take their word for it. 
• Your policy “wasn’t active”: Some insurers cancel policies with little or no warning. Set up automatic payments and keep records of every premium payment, as required under New York Insurance Law. 

Knowing these tricks helps you push back and demand what you’re owed.

Stop Letting Them Waste Your Time- When to Get a Lawyer Involved

You can’t afford to go in circles with your insurance company forever. When should you bring in a lawyer? Right now.

A Lawyer Can Force Your Insurance Company to Pay Up

Hiring a lawyer isn’t just about filing paperwork. It’s about power. A skilled attorney can:

• Expose insurance company tactics: Insurers bank on you not knowing the rules. A lawyer turns the tables.
• Calculate the real value of your claim: Insurers lowball victims all the time. A lawyer ensures your settlement includes lost wages, medical bills, and long-term expenses. As a car accident lawyer, we’ll fight to get you every penny you deserve. 
• Negotiate aggressively: Lawyers won’t let insurers stall or bully you. If they won’t offer a fair settlement, an attorney will take them to court. 

Fighting Claim Denials – When Playing Nice Doesn’t Work

If your insurance company won’t budge, it’s time to escalate. A lawyer can:

• File a strong appeal: Over 50% of denied claims are overturned on appeal. A lawyer ensures your appeal is airtight and backed by solid evidence. 
• Take them to court: If they refuse to negotiate, an attorney can file a lawsuit under New York Civil Practice Law & Rules. Insurers take lawsuits seriously, and claimants with lawyers win more often. 

Whether you need a slip and fall accident attorney or an auto accident injury legal expert, one of the best law firms in America is here to fight for you. 

A skilled Garden City injury lawyer can take the pressure off your shoulders and make sure you get what you deserve. We’re here to make sure your insurance company pays what they owe—no excuses, no delays. 

Reach out to Horn Wright, LLP, for your free consultation. Let’s get started today.