Why was your injury claim rejected in California? It’s a question no one wants to ask after surviving a car crash or a slip and fall. But for many accident victims in California, this is a frustrating reality.
Whether you’re recovering from accident injuries or still sorting out medical bills, a rejected claim in California can make the process even more painful. Don’t give up just yet—understanding why claims are denied is the first step to turning things around.
Let’s look at the most common causes and discover how you can still pursue justice.
Why Do Injury Claims Get Rejected in California?
Not every accident results in a successful payout. In fact, some personal injury claims are denied for critical but straightforward reasons. Here are the top five causes of a rejected claim in California:
1. Lack of Evidence of Liability or Damages
To win your case, you need more than just a story. You need proof.
- Photos of the scene
- Police reports
- Witness statements
- Medical records
- Proof of lost wages and property damage
Without these, the insurance company may argue there’s no solid basis for your insurance claim. This is especially true in auto or truck accident claims, where multiple parties might be involved.
2. Gaps in Medical Treatment or Delays in Care
Delayed medical attention tells insurers: “It wasn’t that serious.” But the truth is, some accident injuries take time to surface. Still, your case could weaken if you waited too long or skipped appointments.
💡 Advice: Always seek medical care immediately after a motor vehicle accident—even if you feel fine. Document every visit.
3. Unclear Causation of Injuries
Let’s say you had a previous back issue. Now, after a car accident, you’re experiencing pain, but there’s no clear medical link. The insurer might say your injuries aren’t from the car crash, especially without expert opinions or updated diagnostic scans.
4. Missed Statute of Limitations
California’s statute of limitations for most personal injury cases is 2 years from the accident date.
Type of Case | Filing Deadline |
Personal Injury | 2 years from injury |
Property Damage | 3 years from the incident |
Government Entity Claim | 6 months from the incident |
(Source: California Courts – .gov)
If you miss the deadline, your case is likely over, regardless of how strong your evidence is.
5. Damaged Vehicle, No Injuries Reported
Some auto accidents leave your car totaled but result in “no visible injuries.” If you didn’t report pain and suffering or seek medical treatment, it’s hard to argue for non-economic damages later. This is a common reason for denial in personal injury law.
What Should You Do If Your Claim Was Rejected?
Even if your injury claim was denied, you still have options. Here’s what to do:
✅ Request the Reason in Writing
Insurers are required to tell you why your claim was rejected. Get it in writing and review it with a Santa Clara personal injury lawyer.
✅ Gather New Evidence
Was something missing? Add it. This could be new medical expenses, additional witness statements, or a second opinion from a doctor.
✅ File an Appeal or Lawsuit
A denied claim doesn’t mean you’re out of options. Many clients pursue legal action and win compensation through a law firm or an accident lawyer near you.
Live in Santa Clara, CA? Know Your Rights
If your injury occurred near El Camino Real, Levi’s Stadium, or Downtown Santa Clara, you’re not alone. In 2022, Santa Clara County recorded 8,648 fatalities and injury cases, according to the California Office of Traffic Safety (OTS).
Local legal support is critical. Working with a Santa Clara personal injury lawyer who understands city-specific patterns and legal expectations can increase your chances of recovering your losses.
FAQs About Rejected Claims in California
Yes, depending on the reason and whether you’re still within the statute of limitations.
Most car accident lawyers offer a contingency fee, meaning they only get paid if you win.
Your attorney can often coordinate with healthcare providers to delay payment under a medical lien until your case is resolved.
Don’t Let a Denied Claim Stop You
A rejected claim in California can feel like the end, but it doesn’t have to be. Whether you’re dealing with auto accident claims, slips and falls, or even wrongful death, the right support can turn things around. You deserve fair compensation for medical expenses, pain and suffering, and property damage.
📞 Get Help Now
At Farahi Law Firm in Santa Clara, we offer free consultations to review denied claims and help you fight back. Contact us today to find out what your next step should be.
