November 10, 2019

When you regularly make your insurance payments then face the unpleasant surprise of your insurer denying a claim, you may wonder, what next? What happens if your insurance claim is denied?

We bank on our insurance policies to save us from financial ruin when things go wrong. In other words, we count on insurance companies to do the right thing when bad times come. When our insurance claims are denied, it can feel like a betrayal.

One individual will hold many different policies over the course of their life. You probably have health insurance, auto insurance and maybe even home insurance. What happens if your insurance claim is denied?

The answer is relatively straightforward: You take legal action to get the payment you’re entitled to. But let’s be more specific about what happens when an insurance claim is denied, by breaking down the three most common insurance policies.

What to Do When an Auto Insurance Claim Is Denied

Auto insurance policies come in many different forms. You can pay an insurer to cover costs of all types, but most include the basic liability insurance coverage. This covers you in case you cause someone else damage in a crash. But you can also get coverage that covers some of your expenses if you’re involved in a crash with an uninsured or underinsured motorist.

Auto insurance denials can be based on several different claims by an insurance company. The company might claim that the crash was avoidable or that you were at fault. They might say that they shouldn’t cover medical expenses because you had a pre-existing condition or that medical records show you weren’t injured in the crash itself.

These denials are far too common, but there are steps a policyholder can take to get the payment they’ve been promised. You’re going to notice a theme on this page, which is that your first step should be to contact a bad faith insurance attorney. An attorney can walk you through every step of the process. They know how insurance companies work and won’t be intimidated by whatever the insurer throws at them.

What Next When Your Home Insurance Claim Is Denied?

Home insurance helps insulate you from all of the many things that can go wrong as a homeowner. From floods to lightning to fire, home insurance can protect you financially should things go wrong. Insurance companies often deny claims on grounds that the damage to your home stemmed from your own neglect of the property. They might claim that you misrepresented the damage to your home.

Your first step should be to contact an attorney specializing in insurance denial cases. They can review your claim, prepare documents and pictures that build your case and write a letter to the insurance company appealing the decision. By handling these details for you, an attorney will free you of the worry and maximize your chances of getting the payments you are owed.

What Happens When a Claim Is Denied by a Health Insurer

Some health insurance policies offer very little coverage, while others cover virtually any medical-related issues one might face. Insurance companies can deny a claim by asserting that the treatment or test received required pre-authorization. They might allege that you missed a filing deadline, even if you know you did not.

When your health insurance claim is denied, you can appeal the insurance company’s decision. Much like you would for other types of claims, you will review your policy, gather evidence to support your claim, write a letter and appeal the decision. Again, having an attorney to handle your health insurance claim denial will make your life easier and better position you for a favorable outcome.

What Happens When Your Insurance Claim is Denied?

Your First Step Is to Contact an Attorney

As you can see, the most effective first step after your insurance claim denied is to contact an experienced bad faith insurance attorney. There’s no substitute for having a legal representative who knows the process of an appeal. Your attorney will deal firmly with insurance companies and help you avoid any mistakes that could prevent you from getting the money you rightfully deserve.

Doug Terry has a reputation for being a tough opponent for insurance companies. Insurance companies and their legal teams know Doug, and they know that when he is representing a client, they’ll be dealing with someone who won’t settle for anything less than his client deserves.

Insurance companies should do right by their policyholders. Unfortunately, they often deny claims in bad faith. This is unacceptable, and you should know that you have options to get your payments. Doug Terry is here to help.

If your insurance claim has been denied, don’t hesitate to contact the Oklahoma City bad faith insurance lawyer Doug Terry today. We offer free consultations to help you better understand your legal options. Let us hear more about your story, so we can provide you with a free initial assessment of your claim.

Contact Doug Terry today by calling (405) 463-6362 or filling out our online contact form.