Turned Down For A Insurance Claim? What To Do

Posted on: 16 April 2018

When you've got home, health, life or vehicle insurance, you probably feel protected. If something happens, you just imagine that you'll complete a claim and wait for the insurance company to pay for relevant costs. Getting a denial could be shocking; you might wonder how you'll pay for repairs, bills and other financial obligations. Luckily, you still have a chance even if you've been denied; you can dispute it. If you're thinking about fighting an insurance claim denial, consider these dispute tips.

Look for Deadlines

In your surprise and disappointment over being denied, you may toss the denial letter aside for a while. Before doing that, however, it's vital that you make a note of any deadlines for disputing the denial. That way, if you press forward with the claim, you'll understand how long you have to resubmit or submit additional information.

Check Your Policy

It's possible that you misunderstood what coverage you have. The denial letter will have some information in it, but be sure that you consult the policy directly to see if you missed some of the fine print or whether you still feel that your claim was in line with your coverage.

Check Your Paperwork

Another possibility is that you may not have submitted documents that the insurer asked for. Because they weren't in receipt of certain details, they may have denied the claim outright. You might simply need to add additional information before the claim is approved.

Keep Good Records

From this point on, if you've not been keeping good records, it's important to get better about that. Track what time you call the insurance company for more details, for instance. Write down everyone's name after a discussion with them. Keep all voicemails and documents sent to you. A paper trail can be vital in having a denial overturned.

Get an Attorney

Attorneys handling insurance disputes like the one you're going through can guide you with their expertise. Even if you're considering mediations and arbitrations that involve third-parties and not your insurance company, a lawyer can help you assemble documents and make suggestions about what your next actions should entail. They will also be able to clearly lay out the options you still have.

With these dispute tips, your ability to fight for your claim can continue. Work with an experienced insurance dispute attorney to ensure you make the right insurance-related moves to increase your chances of a final approval.