What to Do When Your Insurance Company Denies Your Claim

Insurance denial claim after an accident can be devastating. With the Knowledge of what to Do When Your Insurance Company Denies Your Claim, you are in a position to appeal and get your money. In this guide, you can learn about the denials of claims and their most frequent reasons why insurance companies reject them, and methods that you can take.

Understanding Insurance Claim Denials

If the insurance provider denies you a claim, they can either:

• Accept a partial payment: Make an amount less than asked for.
• Refuse the Claim Completely: Dismiss all payments, invoking the policy conditions.

You’ll get a rejection letter explaining the reasoning behind the decision. Examine this carefully, as it often provides possibilities to improve your argument.

Why Do Insurers Deny Claims?

Insurance companies are able to refuse claims for various reasons, such as:

1. Exceeding the Policy Limits: Claiming damages that are beyond the policy’s limits.
2. Non-Covered Losses: requesting compensation for the events that are not covered under the policy.
3. Late Filing: You have missed the deadline of the policy to submit claims.
4. Insufficient Evidence: There is no evidence to back up your claim or damages.
5. Fault Attribution: The insurer claims you were the cause of the loss.

In most cases, supplying additional evidence or challenging the insurer’s argument can invalidate the decision to deny.

4 Critical Steps After a Claim Denial

Do not let a denial prevent you from seeking justice. Take these steps to contest the decision of the insurance company:

1. Beware of Cashing or Signing anything: If you accept payments or sign documents can waive your right to challenge the denial.
2. Examine your Denial Letter: Determine the reason for the denial and gather evidence to challenge it.
3. Request a formal appeal: Then, you must submit a written challenge within the timeframe of the insurer (often 2 to 3 months) for your claim to remain open.
4. Get a Linden Injury Attorney: A seasoned attorney will engage with insurance companies and help to maximize the settlement.

Secure Your Rights with Expert Legal Advice

The denial of a claim isn’t that your battle is over. Work with experienced Car Accident Lawyers to navigate complicated insurance disputes and seek damages for:

• Medical costs
• Property destruction
• Loss of wages
• The pain and suffering

The Bottom Line

Hurt in a bad accident in New Jersey and having an insurance claim that is denied? Do not allow your bills to accumulate during the waiting periods with insurance companies. Our accomplished attorneys represent our clients in Camden, Passaic, Union City, Bayonne, Linden, and New Jersey City. Call us today at (732) 442-5900 or fill out our online form to make an appointment for a no-cost consultation. Act now and oppose your claim’s refusal and ensure you get the money you deserve!