Experiencing an injury due to someone else’s negligence is devastating. The process of filing a claim is time-consuming. In such an environment, you would be more distressed if the insurance company denied your claim.
Insurance is meant to offer protection to policyholders when things go wrong. The settlement from the insurance company serves as relief for any injuries, both physical and emotional, you may incur. That is why it can be heartbreaking when your claim is denied.
Insurance companies may have various reasons to deny a claim, yet you pay for it. Despite these unfortunate circumstances, it is possible to challenge such a denial by following the proper steps because, though the denial may be valid, there are instances where insurers wrongfully deny claims. Read on to learn how to get help negotiating with the insurance company when you or your loved ones are in this legal battle.
Review the denial and the policy
It is essential to remain calm and set a convenient time to read the denial. When you are ready to read the denial, go through it carefully, noting every word and the language used to write the reasons for the denial. The claim denial is supposed to explain why the insurance company denied your claim, but they may forget to include this essential information. Always ensure that your policy entails justification for your claim denial.
Contact your insurance company
If you find some errors in the denial and think that it was unjust, contact your insurer for more information on why your claim has been denied. In addition, consult a personal injury attorney to help draft a letter that disputes the claim denial.
Take legal action against your insurer
The insurer is expected to act in good faith and uphold the policy terms, whether you made your claim against your or the at-fault party’s insurance company. If your insurance company adamantly refuses to adhere to these set standards, you have the right to file a lawsuit against them.
When the insurer denies your claim without a reason, fails to investigate your claim, or fails to negotiate a settlement, that is acting in bad faith. You have the right to claim compensation for your injuries and the emotional distress the insurer caused you. In such cases, get in touch with an experienced lawyer and find out what the legal options are for victims of bad faith claims.
Contact your attorney for advice
Having an attorney by your side can resolve and clarify many issues. Remember to safeguard all the evidence at your disposal because your attorney may need it to file an appeal for your case. They also know about all the dirty tricks insurance companies play. A lawyer is the best counter to denied insurance claims.
In conclusion, handling the denial of your personal injury claim from your insurer can be distressing. It is essential to be informed of the steps to take when you find yourself with such an issue. Don’t forget to get in touch with an experienced lawyer to reduce the difficulty involved in the process.
