What to Do When an Insurance Company Denies Your Personal Injury Claim

A Complete 5-Part Guide from Braswell Murphy, LLC

 

Mobile, Alabama | Serving Alabama, Mississippi & Georgia

 

If you just opened a letter that says “Claim Denied,” take a deep breath. That letter is NOT the end of your story—it’s usually just the insurance company’s first attempt to pay you zero.

 

I used to write those denial letters. Now I tear them apart for people just like you.

Here’s your step-by-step battle plan.

 

Part 1: Stay Calm & Take the First 3 Steps (Don’t Let Panic Win)

 

A denial feels like a punch in the gut, but it’s usually just the opening move in a game they hope you’ll quit playing.

 

Do these three things the same day the letter arrives:

1. Read the exact reason they gave and highlight it
2. Save the letter, envelope, and every email or note from the adjuster
3. Call or email them and say: “Please send me the complete claim file and the exact policy language you used to deny my claim.” (They legally have to send it.)

Think of the denial like finding a small kitchen fire—grab the extinguisher now instead of letting the house burn.

 

Part 2: Force Them to Hand Over the Hidden Files

 

Every insurance company keeps two files on you:

• The thin one they show you
• The thick one with nurse notes, photos, and adjuster comments they pray you never see

How to get the real file (80 % success rate):

 

Send a short certified letter quoting the Fair Claims Practices Act and your policy language.

 

Once that file lands on your kitchen table, the game changes fast.

 

Part 3: Turn Their Own Words Against Them (Find the Smoking Guns)

 

When the secret file arrives, grab a highlighter and hunt for these four treasures:

• Adjuster notes that admit fault (“clear liability,” “driver ran red light”)
• Their own doctor or nurse saying “injury caused by this accident”
• Photos they took but never showed you
• Emails saying “settle quick before lawyer gets involved”

One highlighted sentence from their own file is often worth tens or hundreds of thousands of dollars.

 

Part 4: Write the One Letter That Makes Them Beg to Settle

 

This is the knockout punch: the post-denial demand letter.

 

It has four parts:

1. The Opening Jab – quote their own smoking-gun notes back to them
2. The Money Math – every bill, lost wage, and pain & suffering dollar spelled out
3. The Short Deadline – “Pay in 21 days or we file suit and ask for punitive damages”
4. The Mic-Drop Closer – “Govern yourself accordingly.”

We’ve watched insurance companies call the next morning begging to pay after getting this letter.

 

Part 5: Get Your Check, Keep Every Penny & Heal

 

You did it—the money is finally coming. Now protect it:

• Read the release carefully (make sure it only closes THIS claim)
• Pay medical liens first (hospitals and Medicare can come after you later if you don’t)
• Split the rest into three buckets: repairs, future care, and your family’s fresh start

And don’t forget the part money can’t buy—your peace.

 

Talk to someone if you’re still jumpy in traffic. Celebrate the win. Take the family out for a nice dinner. You earned it.

 

You now own the complete playbook that turns “Claim Denied” into “Check Wired.”

 

Still fighting a denial or just got a check that feels too small?

 

Text or call us right now for a free review.

 

We’ll look at your denial letter, your hidden files, or your settlement offer and tell you—straight—what it’s really worth and what to do next. No cost, no pressure.

 

You’ve already been through enough. Let us carry the rest of the fight.

 

Brian Murphy

Braswell Murphy, LLC

Mobile, Alabama

Serving all of Alabama, Mississippi, and Georgia