How to Deal With a Denied Insurance Claim
Has your insurance claim recently been denied?
Whether you’ve been injured in an accident or you need repairs made to your home, a denied insurance claim can be devasting and you are likely stressed out trying to plan how you will pay your bills. You may be wondering what you can do next, but there is hope. No matter why your claim was denied, you still have options.
Keep reading to learn more about why insurance claims are often denied and what you can do to fight back and get the money that you deserve.
Why Was My Claim Denied?
When your insurance company denies your claim they will send you a letter detailing your case and a specific reason as to why it was denied. There are many different reasons why your insurance company can deny your claim, so make sure you review this information carefully.
For example, if you were in a car accident but have a pre-existing condition that causes back pain, the insurance company may argue that your previous back problem created your injury, rather than the car accident.
Again, just because the insurance company denies your claim doesn’t mean you’re out of options.
How to Dispute a Denied Insurance Claim
A denied insurance claim is stressful, but you shouldn’t panic. Follow these five steps to give yourself a good chance as you fight an unfair claim denial:
- Learn About the Appeal Process
When you receive information from your insurance company about why they denied your claim, they should also detail the next steps you need to take to appeal their decision. They will give your information about what documents they need for your appeal as well as important deadlines you must stick to.
- File Paperwork Carefully
Once you know what paperwork you need to provide further proof, make sure you gather it and file it in a timely manner. Missing a deadline is an easy way for your insurance company to deny your claim.
You should also ensure that you fill out every document carefully and avoid careless mistakes. Again, you can’t give your insurance company any reason to deny your claim again, no matter how small of a detail it is.
- Don’t Accept Funds From Your Insurance Company
If your insurance company gave you any type of premium funds, do not accept them if you plan to dispute their decision and try to get more money.
- Document Every Communication
It’s extremely important that you keep detailed records of every communication between you and your insurance company. Save any documents they mail you and keep records of emails you receive. If you speak to them over the phone, ask for a transcript of the conversation.
- Hire a Professional
If you’re intimidated by the claims appeal process, you can always hire a professional to help you through it. Visit the Graham Colley Solicitor website to learn more about how you can benefit from a legal team.
Learn More About Insurance Claims
Filling an appeal to dispute your denied insurance claim can be a stressful process, but it will be worth it when you get the money you’re entitled to. For more information that will help you through the process, make sure you check out the rest of our website.