There are different reasons why an insurance claim is refused. Most often, the company will determine the event you are making a claim about was not covered under your specific policy. In rarer cases, the insurance company may claim your payments were not up to date and the policy was void for this or some other reason. In some cases, an insurance company may accuse a claimant of fraud.
No matter why an insurer refuses to pay, the first step is to stay calm. Review the rejection letter or ask why the claim was denied. If the problem is with the filing process or due to an administrative error, you may be able to fix it quite simply. You will also want to review the policy carefully yourself or with an attorney so you understand exactly what is and isn’t covered.
If you feel an insurer is acting unfairly or in bad faith, contact an insurance attorney, such as the team at Katherman Briggs & Greenberg. Katherman Briggs & Greenberg can help you understand what is going on and can guide you through the appeal process. While you can work with your insurance company through the appeals process without legal counsel, you may have an easier time with an attorney who understands the process and can build a strong case on your behalf. Keep in mind the appeal process can be time-consuming, so working with an attorney can be most efficient.
Even if your appeal is denied, you and your attorney can contact a state regulator or your state ombudsman to resolve the conflict. You can also file a complaint against your insurer. Again, working with an attorney can clarify this process for you.
If you are struggling to get a payment you feel you deserve from your insurance company, contact Katherman Briggs & Greenberg. Insurance companies have entire departments of attorneys on their side. Don’t you deserve an attorney with more than 30 years of experience?