Insurance Claim Disputes – What to do if Your Claim is Denied

insurance claim denialsAs an individual or a company, you purchase insurance to provide protection in the form of offsetting incurred costs associated with an accident, illness or other catastrophic event that could otherwise result in serious financial hardship.  After dutifully paying monthly premiums, it can be extremely frustrating to have an insurance claim denied.  Although it might feel like fighting an uphill battle, it is possible to get a denial reversed.  A qualified attorney, like those at Churchill, Quinn, Richtman & Hamilton, Ltd, can make a difference in whether you emerge victorious in your insurance claim dispute.

Insurance Policies Vary  

Each insurance carrier has their own set of rules and exclusions, and they can vary greatly between companies.  What is covered, what is not covered, and under what circumstances, are all specified within the policy itself.  When a claims adjuster denies a claim based on his or her interpretation of the terms, this is when disputes can arise between the insurance company and the insured party.  But once an insurer has made a decision, it can be difficult to get that decision changed.

Why a Claim Might Get Denied

A claims adjuster will deny a claim if he or she believes that the claim does not meet their criteria for approval.  Some examples of reasons for denial include:

  • The claim exceeds the policy coverage limits
  • You are filing a claim for coverage that you did not purchase as part of your policy
  • You misrepresented information when applying for the insurance policy
  • The insurance company suspects fraud
  • Important details have been left out of the filed claim
  • The claim was not filed on time

What You Can Do to Dispute a Denied Claim

When an insurance claim has been denied, and it represents a significant amount of money, it is a good idea to gather as much evidence and documentation as possible that supports your claim and hire an attorney to assist in getting the decision overturned.  An attorney can help you to understand why the claim was denied and what your options are for legal recourse.  Being able to read, understand and apply the language in an insurance policy takes a high level of skill and expertise and can be the deciding factor in successfully disputing an insurance claim.  The attorneys at Churchill, Quinn, Richtman & Hamilton, Ltd have that kind of experience and can help you get the results you want.  Contact us at 847-223-1500 for more information.

 

Referenced articles HERE and HERE