When you file an insurance claim, it is generally with the expectation that your insurer will cover the costs associated with the damage or loss. However, there are instances when an insurance company denies a claim. This can be a stressful and frustrating experience but understanding why this happens and what steps to take next can help alleviate some of that stress.
The first step after receiving a denial is to understand why your claim was denied. There could be several reasons for this including lack of coverage at the time of the incident, late filing, inaccurate information on the claim form or non-disclosure of relevant information during policy purchase. It’s important to read through your policy carefully and understand its terms and conditions.
Once you’ve understood why your claim was denied, review all related documents thoroughly. This includes your original insurance contract, any correspondence between you and your insurer regarding the claim, photographs or other evidence submitted with your initial claim etc. Make sure all documentation supports your case.
If you believe that there has been a mistake in denying your claim or if there seems to be ambiguity in interpreting policy terms leading to denial, it may be beneficial to contact an attorney specializing in insurance law who can provide professional advice based on their experience dealing with similar cases.
In many cases though, disputes can be resolved without going to court by simply communicating effectively with the insurer. Write a letter explaining why you believe their decision is incorrect backed up by supporting documents where necessary; make sure this is sent via certified mail so there’s proof it was received.
Another option available if direct communication doesn’t resolve matters is mediation where both parties meet under guidance from a neutral third party who helps them reach agreement themselves rather than imposing one.
Alternatively if these methods don’t work out or aren’t suitable for some reason like urgency due to impending deadlines etc., then consider filing complaint with state’s department of insurance which regulates operations of insurers within its jurisdiction ensuring they comply with laws designed to protect consumers.
Lastly, you may also consider filing a lawsuit against your insurer if all other avenues have been exhausted. This should be the last resort due to the time and financial resources involved in pursuing legal action.
Remember that denial of an insurance claim is not the end of the road. It’s important to stay calm, understand why your claim was denied, gather all relevant documents and explore all available options for redressal. Persistence and patience are key during this process as it can take some time to resolve these issues but with determination and proper guidance, it is possible to navigate through this challenging situation successfully.
Munley Law Personal Injury Attorneys
1170 PA-315, Wilkes-Barre, PA 18702
15703990406