5 months preg at time of accident Ins. company not accepting liablity for the preg

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 19, 2012

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Insurance Question from Columbia, SC

Asked on 07/19/2012

5 months preg at time of accident Ins. company not accepting liablity for the preg I was 5 months preg when I got into an accident and the dr stated that since the accident I have been having contractions. the ins company is not accepting the bills i have for pre-term labor and i had the baby at 33 wks ges. ins offered 15,000 ad advised me they were not accepting liabilty for the pregnancy. Can they not accept the liabilty? Do you think I need to get advise from atty?

Answer given on July 26, 2012

When an auto accident involves a pregnant claimant and the pregnancy is affected by the accident, most insurance companies will accept the liability and pay for the medical expenses incurred by the claimant. Since there is not much detail regarding the accident, it is hard to understand the circumstances. If you didn’t have any other injuries, the insurance company may feel the problems didn’t come from the accident.You should talk to your doctor and see if they feel the problems with the pregnancy are because of the accident. Have the doctor write a letter to the insurance company stating this. Then see if the insurance company takes any additional responsibility for the problems with the pregnancy.You should also check into your insurance policy to see if you have medical payments coverage. If you do, file a claim with your insurance company. If they pay out, they will probably try to subrogate against the other insurance company for the amount they paid, and could force the company to accept more liability.

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