What if the Insurance Company Denied My Claim?

You expected a big payout for that car accident or burst pipe in your house, but the insurance company denied your claim instead. A denial can be infuriating, especially if you are certain your claim is valid.

But what if the insurance company denies your claim? In that case, you still have options. Learn what they are below.

Common Reasons for Insurance Claim Rejection

Reasons for denial vary depending on the type of claim you are trying to make. If you are making a claim for a car accident, the insurance company might deny your claim if: 

• You did not see a doctor after the crash.
• You failed to provide evidence of your injuries.
• You are partially or fully at fault for the accident.

Typical reasons for homeowners’ insurance claim denials include:

• Your policy does not cover this type of damage.
• You failed to pay your premiums.
• The insurance company thinks you caused the damage.
• You waited too long to submit a claim. 

If you are making a long-term disability claim, the insurer might deny it if:

• You have pre-existing medical conditions that make you ineligible.
• You became disabled by your own actions (a drunk driving accident, for example).
• You do not meet the insurer’s definition of “disabled.”
• You are not regularly seeing a doctor for treatment.
• Your disability does not prevent you from working.

What to Do if Your Insurance Claim is Denied

You find that dreaded letter in the mail and are left wondering what to do now that the insurance company has denied your claim. You have three options for denied insurance claim recourse:

Appeal the Denial

One course of action is to file an appeal. In your appeal, you can correct any incorrect information and include evidence that supports your case.

For instance, if you’ve had a car accident, good evidence could include:

• Medical treatment records
• Pictures of the accident scene
• Witness statements
• Proof that you are unable to work

Insurance companies have varying deadlines for when you must file an appeal. Oftentimes, claimants do not find this particular avenue successful. Rather, they are more frustrated at what seems like an endless barrage of requests from the insurer for documents. 

Negotiate for a Settlement

You will need a skilled injury lawyer if you wish to negotiate a settlement. Insurance companies utilize many tactics to avoid paying the full value of a claim. For instance, the insurance company might say you are partially at fault for the crash.

File a Lawsuit

Your third and often most successful option is to file a lawsuit against the at-fault party. If you are denied disability benefits, you may be able to sue the insurance company or even the agent who sold you the insurance. , 

Learn Your Next Steps After a Denied Insurance Claim

Still wondering, “What if the insurance company denied my claim?” Appealing denied insurance claims gives you some recourse, but winning an appeal can be challenging. For dependable guidance, you know what to do call Chorney Sidhu Injury Lawyers at (844) 487-8482.