What If Your Injury Claim Is Denied?

Don’t panic. Many valid claims are initially denied by insurance companies hoping you’ll give up. You may still have options:

• Appealing the denial with stronger evidence
• Filing a lawsuit in civil court
• Pursuing a bad faith claim if the insurer acted unfairly

We’ll review your denial letter, explain your rights, and map out a strategy to fight back.

Common Insurance Tactics and How We Shut Them Down

Insurance companies are not on your side. Their job is to protect profits even if that means denying your pain. Here’s what we see often:

• Lowball offers right after an accident
• Delays in responding to claims or providing information
• Blaming the victim to reduce payout
• Disputing medical treatment or accusing you of exaggeration
• Dragging out the process until you give up

How Comparative Negligence Works in Real Life

Let’s say you’re hit by a driver who ran a red light. But you were speeding slightly at the time. You might be found 10% at fault. If your damages total $100,000, you’d still recover $90,000.

But if you don’t have legal representation, insurers may try to shift more blame onto you than is fair. That’s where we come in — to push back, prove the truth, and protect your payout.

How Social Media Can Hurt Your Case

In today’s world, insurance companies routinely review public social media posts. One smiling selfie, one check-in at the gym, or one joke about your accident — and they may use it against you.

We advise clients to:

• Avoid posting about the incident, injuries, or recovery
• Set all accounts to private
• Avoid tagging locations or activities that could be misinterpreted
• Assume everything you post will be reviewed

It may seem small, but it can have a big impact. We’ll coach you on best practices to protect your case.

How Long Will a Personal Injury Case Take?

It depends on the facts of your case, your recovery timeline, and whether we’re able to settle or need to go to court.

On average:

• Simple injury cases (like minor car accidents) may resolve in 3–6 months
• Moderate injury claims often take 6–12 months
• Complex or catastrophic cases (involving surgery, wrongful death, or trial) may take 12–24 months or more

We’ll keep you informed every step of the way — and never pressure you to settle for less just to move faster. Quality takes time. Your future is worth it.

Your Pain Deserves to Be Taken Seriously

We don’t fall for the insurance company’s tricks, and we won’t let them take advantage of you. When insurers know you’re represented by a seasoned litigator, they change their tune.

Whether you’re recovering from a car crash, dealing with chronic pain, or mourning a loved one lost to negligence, one thing is true:

You deserve to be heard. And you deserve to heal — with support, dignity, and compensation.

At Rachel Frazier Johnson Law:

• We listen
• We investigate
• We advocate
• We follow through

With over two decades of experience and hundreds of satisfied clients across Phoenix, we know what it takes to win personal injury cases — and we do not cut corners.