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Insurance law helps policyholders fight denied claims

It often feels like insurance companies deny claims without really considering the real life policyholders who submit them. Prioritizing profits over people just seems like an industry standard. But just because it is the standard does not mean that it is right. When an insurer violates the terms of an insurance policy by denying a valid claim, insurance law gives people in Washington the option to sue.

Insurance law: How to approach homeowners insurance claims

It is impossible to anticipate whether a storm, fire or other disaster will damage or even destroy a home. Homeowners insurance coverage provides a sense of relief to most people because they know there is help should something happen to their homes. Unfortunately, insurance law makes this more complicated than it has to be. Insurance companies are often quick to deny claims they believe are not sufficiently justified or documented. Here are a few things Washington homeowners can do to better demonstrate the validity of their claims.

Insurance law allows exclusions in life insurance policies

Reading the fine print of a life insurance policy is a good idea because it often spells out important details that can affect the rights of beneficiaries. Those details in one's policy may specify the exclusions, which are the circumstances under which the insurer can refuse to pay benefits. Understanding this critical element of insurance law can help Washington policyholders avoid leaving their loved ones with an uncertain future.

How are homeowners associations and insurance law connected?

When purchasing a house, some people purposely seek out neighborhoods with homeowners associations. Others may prefer to settle down somewhere without an HOA, but limited housing opportunities in some areas of Washington might make it impossible to do so. In either situation, homeowners may need a more thorough understanding of how HOA bylaws and insurance law interacts.

Insurance law bill would mandate hearing aid coverage for minors

Health insurance is supposed to help cover medical costs, which is exactly what patients expect when seeking care. Unfortunately, many patients also expect to fight their insurance companies over necessary specialists, medications and medical equipment. A bill proposing a change to insurance law could make it easier for some Washington parents trying to secure coverage for their children.

What constitutes fraud in insurance law?

Insurance companies do not make it easy for policyholders to fully understand their coverage and rights. This is partially because of the complexity of insurance law, but it is also because companies can use any confusion to their own advantage. Even minor mistakes are sometimes cited when denying a claim. In more serious situations, a person might even be wrongly accused of insurance fraud.

What should my renter's insurance policy cover?

Renting can be the ideal situation for a number of reasons. Adults who are anticipating job changes, relocations or who simply do not want the responsibility of owning property often find that renting is simply best for their situations. Most people feel pretty confident in their housing choices with the added protection of renter's insurance coverage. This is one of the reasons why it is so frustrating for an insurance company to deny a legitimate claim.

Does insurance law allow multiple accident claims?

Even though most people have at least one type of insurance, not everyone understands how to file claims or even which type they should file. This is actually not that uncommon. Insurance law is a complicated topic, which makes it difficult for policyholders to figure out what they need to do in order to submit claims. For example, some people in Washington may not even realize that they can file car accident claims with both their own insurance companies as well as those of other drivers.

Confused by insurance law? Companies use that to their advantage

Even though you reviewed your homeowners' insurance policy before signing anything, it is entirely possible that you are still not totally sure what all is covered. This is actually not uncommon, so you should not be embarrassed about getting help understanding your coverage details from someone who is familiar with insurance law. In fact, it is especially important to do just that if your homeowners' insurance denied what you think was a valid claim.

Appealing denials is a time-sensitive process for cancer patients

Unexpected injuries and health problems can occur to anyone at any time, so having health insurance coverage is extremely important. But what happens when an insurance company knows better than a patient's doctor? According to an oncologist and University of Washington professor, people die. Appealing denials can help some patients get the treatment they desperately need, but navigating through insurance law can be trickier than some may realize.