If the other side denies liability, it doesn't mean your claim is over. Insurers frequently deny liability as an initial position, particularly early on, and a denial is often the start of a negotiation rather than the end of the claim. We'll gather further evidence to challenge the denial and, if necessary, prepare to issue court proceedings.
In more detail
Why do insurers deny liability so often?
Denying liability, at least initially, costs an insurer nothing and can discourage claimants from pursuing a genuine claim. It's a common opening position rather than a final decision, and it's not unusual for a denial to be withdrawn once stronger evidence is presented.
What evidence helps overturn a denial?
Witness statements, CCTV or dashcam footage, accident reports, medical records linking your injury to the incident, and expert evidence where relevant, can all help demonstrate that the other party was responsible. The strength of this evidence is often what shifts an insurer's position.
What if the denial doesn't change?
If liability remains disputed after further evidence is presented, the claim can proceed to court, where a judge decides based on the evidence from both sides. Most claims still settle before reaching a final hearing, even after an initial denial.
Does a denial affect my time limit to claim?
No, the standard three year limitation period still applies regardless of whether liability is disputed. It's still important not to delay while a denial is being challenged.