My Rear-End Accident Claim Was Denied. What Are My Options?

Few things are more frustrating than doing everything right after an accident — reporting it, submitting documents, and following up — only to receive a letter that says your claim has been denied. Rear-end collisions are among the most common types of car accidents in Los Angeles, and while liability may seem obvious, insurance companies often look for ways to avoid paying. The good news? A denial isn’t the end of your case. With the help of an experienced rear end collision attorney Los Angeles, you can challenge the insurer’s decision and still recover compensation for your injuries, property damage, and emotional distress.

Why Insurance Companies Deny Rear-End Collision Claims

Insurers are for-profit businesses, and their priority is minimizing payouts — not helping victims recover. Even in straightforward cases, your claim can be denied for several reasons:

1. Disputed Liability

The insurer might claim that you were partially or entirely at fault. For example, they may argue that you stopped suddenly, changed lanes abruptly, or had broken brake lights. An experienced rear end collision attorney Los Angeles will investigate the scene, gather evidence, and prove that the other driver’s negligence caused the crash.

2. Lack of Evidence

Insurance adjusters frequently reject claims citing “insufficient proof.” Missing photos, unclear police reports, or gaps in medical documentation can all weaken your case. Your attorney can collect traffic camera footage, witness statements, and expert opinions to strengthen your file.

3. Delayed Medical Treatment

If you didn’t seek immediate medical care after the collision, the insurer might argue your injuries aren’t serious — or unrelated to the accident. Your lawyer can help connect your symptoms to the crash using medical reports, doctor testimony, and treatment records.

4. Pre-Existing Conditions

Insurance companies love to blame your injuries on prior medical issues. A skilled rear end collision attorney Los Angeles can counter that argument by demonstrating how the crash worsened or aggravated existing conditions, making them compensable under California law.

5. Policy or Coverage Disputes

Sometimes the denial has nothing to do with fault. It may be based on technicalities — the driver’s expired policy, coverage lapses, or Uber/Lyft status confusion. Your lawyer will identify the correct insurer (or multiple insurers) responsible for covering your losses.

How a Los Angeles Rear-End Collision Attorney Can Help You Appeal

Once your claim is denied, time is critical. In California, you generally have two years from the accident date to file a personal injury lawsuit — but it’s best to act immediately. A rear end collision attorney Los Angeles will start by reviewing the denial letter and building a detailed strategy for appeal.

Step 1: Review the Denial Letter and Insurance Policy

Your lawyer will identify why the insurer denied your claim and check whether the decision violates California insurance regulations or the policy terms.

Step 2: Collect and Strengthen Evidence

Your attorney will gather missing or overlooked evidence such as dashcam footage, additional medical evaluations, or accident reconstruction reports to fill any gaps in your original claim.

Step 3: File an Internal Appeal

Most insurers have an internal appeal process. Your lawyer will file a formal appeal backed by strong documentation to force the insurer to reexamine their decision.

Step 4: Pursue Legal Action if Necessary

If the insurer refuses to cooperate or acts in bad faith, your rear end collision attorney Los Angeles can file a lawsuit. Legal action often pressures insurers to settle fairly before trial.

Signs Your Claim May Involve Bad Faith

California law prohibits insurance companies from unfairly denying or delaying valid claims. Common signs of bad faith include:

• Failing to investigate the crash thoroughly
• Ignoring medical evidence
• Misrepresenting policy terms
• Refusing to communicate promptly
• Offering unreasonably low settlements
  

If any of these apply, your attorney can file a bad faith insurance claim — potentially entitling you to extra damages beyond your original case value.

What Compensation You Can Still Recover

Even if your claim was denied, you may still be eligible to recover damages for:

• Medical expenses (past and future)
• Lost wages and reduced earning capacity
• Vehicle repairs or replacement
• Pain and suffering
• Emotional distress
• Punitive damages (in cases of gross negligence or bad faith)
  

Your rear end collision attorney Los Angeles will quantify these damages and negotiate aggressively to recover every dollar you deserve.

Common Mistakes to Avoid After a Claim Denial

Many people accidentally make their situation worse after receiving a denial letter. Avoid these pitfalls:

• Don’t argue directly with the insurance adjuster — let your attorney handle it.
• Don’t post about your accident or recovery on social media.
• Don’t accept a low “second offer” without legal review.
• Don’t delay hiring an attorney — evidence can disappear fast.
  

Why Bojat Law Group Is the Right Choice

At Bojat Law Group, we understand how discouraging it is to see your rear-end accident claim denied after an already painful experience. Our attorneys have helped countless Los Angeles drivers overturn unfair denials and secure full settlements.

When you work with a rear end collision attorney Los Angeles from Bojat Law Group, you get:

• A detailed review of your claim and insurance policy
• A strong evidence-based appeal backed by expert testimony
• Aggressive representation in negotiations or court
• No upfront fees — you pay nothing unless we win
  

We’ve built our reputation on holding insurers accountable and standing up for accident victims when big companies refuse to do what’s right.

Contact a Rear End Collision Attorney in Los Angeles

A denied claim doesn’t mean the end of your case — it’s just the beginning of your fight for justice. The sooner you act, the stronger your chances of recovery.

Contact Bojat Law Group today to speak with an experienced rear end collision attorney in Los Angeles. Call (818) 877-4878 or visit our website for a free consultation. We’ll review your denial, explain your legal options, and take the pressure off your shoulders so you can focus on healing while we focus on winning your case.