Dealing with matters of insurance can be a headache regardless of what sort of issues you're facing. If you're dealing with the denial of an insurance claim, it can be one of the most stressful situations, since you could be depending on the insurance to help you through your crisis.
FindLaw takes a specific look at the things you can do following the denial of your insurance claim. First, they examine the potential reasoning behind the denial of claims. Most cases of denial are related to one of the following issues:
- The insurer believes fraud may be involved
- Your claim was not made in time
- The coverage limits were either met or exceeded
- The injury you suffered from was not covered by the insurance policy you have
You can still appeal a denial, though. Your letter of response should be made after you carefully review your insurance policy. In doing so, you will be able to see if the claims that are being made have any backing or not. Evidence supporting your arguments should also be inserted where applicable.
If the decision is not reversed even after an appeal is made, you have the option of taking the company to civil court and suing them. Understandably, this is a step people may want to avoid, but it can be the only option in some cases.
Regardless of the type of situation you're in, you may want to contact an experienced attorney who knows the ins and outs of legally handling insurance companies. They can help you understand more about how to tackle your case and what steps to take next after being denied your claim.