Why Insurance Companies Delay or Deny Claims — And How a Car Accident Lawyer Protects You

If you were injured in a New Jersey car accident, you deserve fair compensation.
But the insurance company isn’t on your side — even when you’re dealing with pain, medical bills, and stress.

Insurance companies are profit-driven businesses. Every claim they reduce, delay, or deny means more money in their pockets. Meanwhile, you and your family struggle to cover costs that weren’t your fault.

At The Law Offices of Raffi T. Khorozian – The 25 Percent Lawyer, our job is to make sure your recovery comes before their revenue.

Let’s break down why insurers make the process so difficult — and how a strong legal team protects your rights from day one.

💲 Why Do Insurance Companies Delay or Deny Car Accident Claims?

1. Protecting Their Bottom Line

Insurance companies make billions by collecting premiums — not by paying full claims.
The less they pay, the more they profit.

They use strategic delays hoping you will:

Give up or accept a fast lowball offer
Say something that can be used against you
Stop getting medical treatment (reducing their payout)
Struggle financially — forcing you to settle for less

2. Creating Pressure & Confusion

After an accident, emotions are high. Insurers exploit that by dragging out the process until you’re desperate.

They hope you’ll think:

“Something is better than nothing…”

This is exactly the result they want.

3. Minimizing the Injury

Insurers often argue:

❌ “You don’t need that treatment.”
❌ “You’re exaggerating your pain.”
❌ “You were already injured before the crash.”

Without a lawyer, many victims don’t know how to prove the full impact of their injury.

4. Blaming You for the Crash

New Jersey follows comparative negligence laws.
If they can claim you’re even 20% at fault, they may cut your settlement by 20%.

They frequently argue:

You were distracted
You braked too late
Weather made you unsafe

They try anything to shift the blame.

5. Medical Bill Disputes

New Jersey’s PIP (Personal Injury Protection) system is complex.
Insurers may reject bills because:

Documentation wasn’t perfect
Treatment was delayed
They claim it’s “unnecessary”

A lawyer ensures every medical record strengthens your claim.

⚠️ Common Insurance Company Tactics

Tactic	Their Goal	Your Risk
Lowball settlement offers	Close claim fast	Future bills unpaid
Denying medical treatment	Reduce payout	Ongoing pain & complications
Claiming “pre-existing injuries”	Avoid responsibility	Harder to prove damages
Delaying communication	Force financial stress	Accept less than you deserve
Recorded statements	Twist your words	Undermines claim value

📌 The Most Critical Mistake After a Crash:

Talking to the insurance adjuster without a lawyer.

They are trained to find ways to reduce your payout — not help you.

🛡️ How a Car Accident Lawyer in New Jersey Protects You

A strong legal team ensures your story — not theirs — drives the case.

At The 25 Percent Lawyers, we:

✔ Handle all communication with the insurer
✔ Work with doctors to document the full extent of your injuries
✔ Gather evidence: police report, video, witness statements
✔ Challenge claim denials directly
✔ Fight for the maximum compensation for:

Medical bills & future care
Lost income & reduced earning capacity
Pain and suffering
Emotional trauma
Vehicle damage

And best of all…

We take only 25% — not 33% like most lawyers

That means more money in your pocket where it belongs.

🏥 What If My Claim Was Already Denied?

A denial is not the end.
We regularly reopen claims and recover payment for our clients.

We investigate:

Bad-faith claim handling
Improper delays
Abuse of PIP limitations
Misinterpretation of medical records

You still have rights — and we know how to enforce them.

📍 Local Support Across New Jersey

Our firm proudly represents accident victims in:

Wherever you were hurt, help is here.

📞 Injured in a New Jersey Car Accident?

Don’t let the insurance company decide what your recovery is worth.

Before you give a statement or accept a settlement — call us.

Law Offices of Raffi T. Khorozian
The 25 Percent Lawyer
📱 888.658.4284
📩 info@the25percentlawyers.com
💻 We fight for your value — not their profits.

Free Case Evaluation

Please fill out the following form and we will contact you as soon as possible.

Find us at one of our 31 Locations

Offices across New Jersey. Call to schedule your free consultation at the location nearest you.

BERGEN COUNTY:

One Bridge Plaza, Ste 675, Fort Lee, NJ 07024** (201) 341-5691 / (888) NJ-VICTIM / (888) 658-4284.
411 Hackensack Avenue, Suite 200, Hackensack, NJ 07601.** (201) 341-5691 / (888) NJ-VICTIM / (888) 658-4284.
One Meadowlands Plaza, Suite 200 East Rutherford, NJ 07073.** (201) 341-5691 / (888) NJ-VICTIM / (888) 658-4284
140 East Ridgewood Avenue, Suite 415 South Tower Paramus, NJ 07652.** (201) 341-5691 / (888) NJ-VICTIM / (888) 658-4284
Park 80 West, 250 Pehle Avenue, Suite 200, Saddle Brook, NJ 07663** (973) 647-2981 / (888) NJ-VICTIM / (888) 658-4284

CAMDEN COUNTY:

1040 Kings Highway North, Suite 400, Cherry Hill, NJ 08034** (856) 559-7542 / (888) NJ-VICTIM / (888) 658-4284

ESSEX COUNTY:

1182 Clinton Ave, First Floor, Irvington, NJ 07111.* (973) 647-2981 / (888) NJ-VICTIM / (888) 658-4284
26 Park Street, Suite 2027 Montclair, NJ 07042.** (973) 647-2981 / (888) NJ-VICTIM / (888) 658-4284
One Gateway Center, Suite 2600 Newark, NJ 07102.** (973) 647-2981 / (888) NJ-VICTIM / (888) 658-4284
134 Evergreen Place, East Orange, NJ 07018.** (973) 647-2981 / (888) NJ-VICTIM / (888) 658-4284

HUDSON COUNTY:

3221 Bergenline Avenue, Suite E, Union City, NJ 07087.** (201) 341-5691 / (888) NJ-VICTIM / (888) 658-4284
101 Hudson Street, 21st. Floor, Jersey City, NJ 07302.** (201) 341-5691 / (888) NJ-VICTIM / (888) 658-4284
418 Broadway, Bayonne, NJ 07002.** (201) 341-5691 / (888) NJ-VICTIM / (888) 658-4284
78 John Miller Way #326, Kearny, NJ 07032.** (201) 341-5691 / (888) NJ-VICTIM / (888) 658-4284

MORRIS COUNTY:

100 Enterprise Drive, Suite 301, Rockaway, NJ 07866** (973) 647-2981 / (888) NJ-VICTIM / (888) 658-4284

MIDDLESEX COUNTY:

317 George Street, Ste 320, New Brunswick, NJ 08901** (732) 428-2818 / (888) NJ-VICTIM / (888) 658-4284
33 Wood Ave. South, Ste. 600, Iselin, NJ 07095** (732) 428-2818 / (888) NJ-VICTIM / (888) 658-4284
313 State Street, Suite 405, Perth Amboy, NJ 08861.** (732) 428-2818 / (888) 658-4284
30 Knights Bridge Road, Suite 525, Piscataway, NJ 08854** (732) 428-2818 / (888) NJ-VICTIM / (888) 658-4284
1100 Cornwall Rd., Ste. 200, South Brunswick, NJ 08852** (732) 428-2818 / (888) NJ-VICTIM / (888) 658-4284

PASSAIC COUNTY:

600 Getty Avenue, Suite 108, Clifton, NJ 07011.** (973) 647-2981 / (888) NJ-VICTIM / (888) 658-4284
999 Riverview Drive, 2nd Floor, Totowa, NJ 07512** (973) 647-2981 / (888) NJ-VICTIM / (888) 658-4284

UNION COUNTY:

87 Broad Steet, Elizabeth, NJ 07201** (908) 370-4462 / (888) NJ-VICTIM / (888) 658-4284
1371 Morris Avenue, Second Floor, Union, New Jersey 07083-3317.** (908) 370-4462 / (888) NJ-VICTIM / (888) 658-4284
300 Haledon Rd., Third Floor, South Plainfield, NJ 07080** (908) 370-4462 / (888) NJ-VICTIM / (888) 658-4284
300 Atrium Dr., Ste. 401, Somerset, NJ 08873** (908) 370-4462 / (888) NJ-VICTIM / (888) 658-4284

MERCER COUNTY:

100 Horizon Center Boulevard, 1st and 2nd Floors, Hamilton, NJ 08691.** (609) 610-4916 / (888) NJ-VICTIM / (888) 658-4284

MONMOUTH COUNTY

279 Broadway, Suite 400 G Long Branch, NJ 07740.** (732) 428-2818 / (888) NJ-VICTIM / (888) 658-4284
107 Tindall Road, Middletown, NJ 07748**(732) 428-2818 / (888) NJ-VICTIM / (888) 658-4284
4400 Route 9 South, Suite 1000, Freehold, NJ 07728** (732) 428-2818 / (888) NJ-VICTIM / (888) 658-4284

SOMERSET COUNTY

Park 80 West 1200 Rte. 22 East, Bridgewater, NJ 08807**(908) 370-4462 / (888) NJ-VICTIM / (888) 658-4284

*Main office.
**Meeting location by appointment only.

Car accident lawyer in New Jersey