Delaware Accidents

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Search results for “insurance denial”

20 results

Three insurers are dodging your crash. Your immigration status doesn't erase the claim.

A left-turn crash in Middletown can turn into an insurance circus fast, but being undocumented does not cancel your right to make an injury claim.

ARTICLE by Deborah Cannon

Your doctor says surgery now. The comp insurer says fog caused chaos, not your injury

A Wilmington home health aide hurt in a near-zero-visibility pileup can still be covered by workers' comp even when fog started the chain reaction, and a surgery denial usually turns on medical proof, not the weather.

ARTICLE by Tom Ridgeway

My husband can't drive after a Milford dock crash, and now they're blaming him for "not mitigating"

A denied injury claim after a loading-dock truck crash in Milford often turns on whether the insurer can really prove your spouse made his injuries worse by ignoring treatment or work restrictions.

ARTICLE by Patricia Hazzard

Got a denial letter saying your surgery isn't approved after an Uber crash?

An Uber passenger hurt by a drifting tractor-trailer on I-95 can have a workers' comp surgery denial and a separate injury claim at the same time, and the denial letter is usually not the end of the fight.

ARTICLE by Keisha Williams

I just realized that fast settlement call after my Middletown off-ramp crash was the trap

A welder gets hit by a wrong-way driver, the at-fault policy is tiny, and the insurance company starts pushing the usual tricks before the full damage is even clear.

ARTICLE by Keisha Williams

uninsured motorist penalty

A legal consequence for driving without required auto insurance. "Uninsured motorist" means a driver who has no valid liability coverage in place when the law requires it....

No money for a lawyer after a Wilmington I-95 pileup - are you actually screwed?

A Wilmington parent in a chain-reaction crash can still have multiple places to recover money even when the borrowed car's owner's insurer tries to duck out.

ARTICLE by Keisha Williams

My carrier says the dashcam exists but "they won't release it" after that Smyrna lane-drift wreck

A Delaware truck driver can still bring a claim after a lane-drift crash even if the other side sits on dashcam footage, but waiting around for them to "cooperate" is where cases start dying.

ARTICLE by Maria Santiago

Can I get my own doctor after an insurance exam in Delaware?

Yes. The expensive mistake is thinking the insurance company's doctor gets the last word. In Delaware, that exam is usually just an independent medical exam (IME) for the...

Options After an Uninsured Driver Crash in Delaware

If the driver who hit you has no insurance in Delaware, your own uninsured motorist coverage usually becomes the fight, and the timeline matters fast.

ARTICLE by Deborah Cannon

unreasonable delay

You just got a letter that says your claim is still "under review" even though the insurer has had your medical records, repair estimates, and witness statements for weeks or...

He crossed the center line and now he says you'll get sued?

A head-on crash claim in Delaware can die fast if you let a bluff about "defamation" slow down the reporting, medical records, and filing deadlines.

ARTICLE by Patricia Hazzard

bad faith penalties

Insurance companies and defense lawyers sometimes talk about these as if they are automatic extras people tack onto a claim just to gain leverage. That is not what they are....

Delaware Crash in a Borrowed Car

If you borrowed a friend's car, got hurt in the crash, and now the insurance calls are starting, the fight is usually over whose policy pays first, who eats the deductible, and whether you still have a case for your own injuries.

ARTICLE by Charles Postles

Almost two years later, this Smyrna postal worker may be out of time and out of money

A Smyrna mail carrier's claim can go from six figures to zero fast when a sideswipe blame fight drags on and the Delaware filing deadline is about to hit.

ARTICLE by Stephanie Chen

i got hit in Smyrna by a kid with a permit and now they're blaming an old MRI

A welder in Smyrna got seriously hurt by a teen driving illegally on a learner's permit, and the insurer is trying the usual trick of saying the injury was already there.

ARTICLE by James Nutter

helmet law defense

Everyone says if you were not wearing a helmet, the insurance company can deny your motorcycle claim, but actually that is not how it works. This is a defense argument used to...

Is paying for my own doctor worth it after an insurance exam in Rehoboth Beach?

It depends - but often yes, if the insurance doctor is minimizing an injury that affects treatment or settlement value. Picture a common summer case in Rehoboth Beach: a...

Delaware Dram Shop Claims After a Drunk Driving Crash

Yes, maybe - your own mistake can cut your recovery, but it does not automatically let a bar off the hook if it overserved an obviously impaired driver who then hit you.

ARTICLE by Charles Postles

no-fault insurance state

Think of it like using your own toolbox first after something goes wrong on the job: before pointing fingers, you turn to your own gear to handle the immediate problem. A...