Maison Law and our California car accident lawyers can guide you through the process after AAA denies your injury claim. AAA has built their system to their advantage, but even when they deny your claim, you have other options. Set up a free consultation today and let our team walk you through these options.
Why Would AAA Deny My Injury Claim?
It’s frustrating enough just being in a car accident. But what comes next can be even more frustrating—especially if AAA insurance denies your claim. The first question is pretty simple: why? It could be for a variety of different reasons, but ultimately, but their rationale is going to come down to:
- There not being “enough evidence.” This is usually the first thing they go to. They try to argue that your pictures aren’t clear enough or statements don’t line up with their version of events. Seemingly anything that can be questioned will be.
- Their driver not being totally at-fault. Another area where there’s plenty of wiggle room with a typical car accident is fault. AAA and its adjusters will try to point to certain things—your speed, someone saying you were looking at your phone, etc.—to show that you share some fault for what happened, and as a result, they don’t have to cover your claim.
- Your injuries not being related to the accident. This is another common tactic. AAA has the resources to put a lot of manpower behind going line by line through your medical records to look for “pre-existing” injuries or a history to say that your injuries aren’t totally related to the accident.
- Their own policy details. As a last-ditch effort, they’ll try to say that your claim doesn’t align with their own policy details (even though it probably does.) Technical details are a great tool for companies to hide behind.
Ultimately, AAA is going to try to move the goalposts on you. They do this because they know they can, but also because they know that you probably don’t have the time and energy to push back. But with the right information, you can push back efficiently.
What Can I Use to Help My Case After AAA Denies My Claim?
A common misconception people have about the insurance process is that once you submit your claim, that closes the door on it. That’s actually not the case. No matter what AAA says, things evolve. You’re probably not going to have all the evidence you need right away, but the key is to have documentation that shows this evolution. Here’s what you can focus on providing if AAA denies your claim:
- A more detailed explanation about your injuries from your doctors and care team. This could mean providing updated records, more notes, or even a clearly-written letter from your doctor. This can all connect the dots between your injuries and the accident.
- Use better photos. If the original pictures didn’t show the damage well, clearer images of the vehicle or impact area can strengthen your claim.
- Add in new statements. If someone saw what happened and hasn’t provided a statement yet, that can help back up your version of events. You can also ask your witnesses to provide more details about how your life has changed since the denial.
- A key addition needs to be built around your financial losses. Provide medical bills, repair estimates, missed paychecks, and anything else that shows the financial impact the accident is having on you.
It’s not always about getting “new” evidence, it’s about putting everything together. You don’t have to do that on your own, either. Our team can help you organize things in an effective way, then take the next steps.
What Can I Do After My Claim Is Denied by AAA Initially?
Once your claim gets denied, the tone of the process changes. Things become more guarded, more contentious, and more frustrating. But again, it’s not necessarily the end of the line. You have a couple ways to move forward:
- Asking AAA to reconsider. You don’t have to accept the denial. Once you get it, you can formally ask them to reconsider. With that, you can provide updated records, clearer pictures, more financial evidence, and anything else you’ve found. It doesn’t always work, but it does keep the door open.
- Filing a lawsuit. Sometimes, your best bet is taking the control out of AAA’s hands and putting in the hands of a judge and jury. Filing a lawsuit takes more time and effort from you, but it’s a fairer process because it’s neutral. It also gives you stronger “damages” than an insurance claim, where you can recover things like:
- Current and future medical expenses
- Lost income or loss of earning potential
- Repair/replacement costs for your car or other property
- Pain and suffering
- Emotional distress
- Reduced quality of life
There’s something important here: this is a big commitment. But again, it’s usually the only way to get a fair shake from AAA after they deny your claim. And you’re not alone. Our team will be there with you from the very beginning.
Get Help From Maison Law After AAA Denies Your Injury Claim in California
Being hurt in a car accident means dealing with daily challenges. Whether it’s pain, missed work, car repair bills, or simple anxiety, it’s not a fun time. And it’s only made worse when AAA or some other insurance company denies your claim. That’s when you need support and guidance, and that’s exactly what we do at Maison Law. We can help you by:
- Closing the gaps. If AAA says there isn’t enough proof, we find what’s missing and work to make your claim stronger.
- Getting things organized. Medical records, missed paychecks, repair bills—everything needs to tell a clear, consistent story tied directly to the accident.
- Handling all the talks. After AAA denies your claim, every statement can carry weight. We take over the back-and-forth so you don’t have to worry about saying something that could be taken the wrong way. We’ll also make sure they look at things fairly.
- Going to court. If AAA refuses to reconsider their denial, we’ll be ready to file a lawsuit and move the case into court, where the evidence speaks for itself.
We also work on a contingency fee basis. That means you don’t pay us anything upfront. Instead, our fee comes out of whatever result we get for you. But most importantly, we keep you informed about what’s going on. You should never feel like your case is sitting in the dark. We explain where things stand, what the next step looks like, and what your realistic options are. Set up a free consultation today if you need help with a denied claim.
