Insurance Claim Denial Lawyer
Insurance Denials Happen Frequently
If your insurance company has denied your claim, you are probably stressed. After all, you paid your premiums faithfully. How could this happen?
Unfortunately, unreasonable insurance company denials are commonplace. In an effort to maximize profits and minimize expenses, these organizations deny, delay and underpay claims regularly. They know that most people will simply accept their initial decision as fact and move forward with their lives. But don’t give up! You have rights, and there are options to get the coverage you deserve.
Your rights after a claim denial include:
- Fair Investigation: Your insurance company is legally obligated to promptly investigate your claim.
- Clear Communication: They must clearly explain any reasons for denial in writing.
- Fighting Unfair Denials: If you believe the denial is unjustified, Oklahoma law protects your right to fight back.
Engaging in this process can be overwhelming; working with an experienced and reputable insurance claim denial lawyer can be helpful. Doug Terry and his team are well-versed in insurance law and have proven experience helping those in Oklahoma address their denials. Contact them today at 405-463-6362 to schedule your free consultation.
The law requires that Insurance companies act in “good faith” when handling your claim.
If your insurer violates these standards you may be entitled to both your reimbursement and additional compensation for damages.
Why Choose Doug Terry Law for Your Insurance Claim Denial Case
Why You Should Engage Our Team
Identifying and engaging the right firm to represent you as you address your insurance company’s denials is an important decision. The right firm can have a tangible impact on your claim and insurance company’s response. Many in Oklahoma reach out to Doug Terry Law.
Consider why:
- Extensive experience: Doug Terry and his team have decades of experience in insurance law. Prior to founding his company, Mr. Terry spent years representing insurance companies, so he understands their tactics and knows how to combat them.
- In-depth knowledge: Our team knows Oklahoma insurance law and how the insurance companies and courts handle bad faith cases.
- Personalized approach to service: We recognize that each case is unique and take the time necessary to understand the details of each on which we are engaged. We know that behind each claim is an individual concerned about their future. We never lose sight of the fact that while denials are commonplace for insurance companies, they are personal and concerning for their policyholders.
- Reputation for success: Nothing speaks more highly of our reputation than the words of our clients. The fact that they have taken time to share their appreciation for our work means the world to us.
- Fair and reasonable fees: Costs are important in every aspect of life, especially when your insurance claim has been denied. We offer all clients a free consultation and in certain cases may be able to work on a contingency fee basis.
In short, we are committed to providing those with whom we work outstanding service. Exceeding, not just meeting, their expectations is our ultimate goal.
How Doug Terry Will Help You Fight Your Insurance Claim Denial
Understanding Our Responsibilities as Your Insurance Claim Denial Lawyer
Managing the insurance claim appeal process can be overwhelming. The paperwork is considerable, and each insurance company has specific guidelines to which you must adhere. The language the insurance companies use is technical, and simply understanding why your claim was denied can be difficult. Engaging an insurance denied claims attorney can help alleviate your workload and stress.
When you work with Doug Terry Law, you can rest assured that we will handle the entirety of your case. You can rely on our team to:
- Gain a complete understanding of your situation
- Review all documentation including your policy, your initial claim submissions, and the denial letter
- Explain why your claim was denied
- Draft an appeal letter on your behalf
- Identify and calculate what you should be reimbursed for your initial claim as well any damages you incurred because of the denial
- Negotiate, on your behalf, with your insurance company representative
- Represent you in court if the insurance company’s settlement offer is unacceptable.
While we handle everything, we always keep you apprised of our progress and the status of your case. And, we never accept an offer or make a decision without your explicit approval.
Insurance Bad Faith: What Does It Mean?
Insurance companies are legally bound to act in “good faith” when handling your claim. This means investigating fairly, communicating clearly, and not denying coverage without legitimate reason. Sadly, some insurers prioritize profits over their obligations, leading to “insurance bad faith.”
What Does Bad Faith Look Like?
While some instances of bad faith are easy to identify, some are more subtle. Below are some examples of the tactics taken by insurance companies to avoid paying what they owe.
- Incomplete investigations: Cutting corners to find reasons for denial
- Policy misrepresentations: Twisting the language to limit your coverage
- Intimidation: Pressuring you into unfair settlement
- Adding unnecessary hurdles: Making the process exhausting
- Deliberate lowball offers: Hoping you’ll accept less than you deserve
- Stalling tactics: Dragging things out until you give up.
Insurance companies get away with these bad faith actions because they know many people will accept unfair denials or low payments just to be done. This saves them money at your expense.
Bad faith can cost you dearly, potentially affecting your finances for years to come.
Fighting Back Against a Denied Claim
Legally, insurance companies have an obligation to fairly assess your claim. Federal and Oklahoma law set forth clear standards to protect consumers. If they violate these standards, an experienced insurance law attorney can help you:
- Appeal the Denial: Challenge the insurance company’s decision and seek a fair review
- Recover Reimbursement: Fight for the full value of your covered claim
- Pursue Additional Compensation: In cases of “bad faith” denial, Oklahoma law allows you to seek compensation beyond policy limits. This can include legal fees and punitive damages.
Managing the appeals process can be positively impacted by working with an experienced insurance claim denial attorney.
Doug Terry Law: Ready to Address Your Denied Health Care Claims
Contact Our Denied Health Insurance Claim Lawyer Today
At Doug Terry Law, we understand how to aggressively address denied claims while empathetically managing the legal process. We know you are frustrated and concerned about your financial future.
Years ago, Doug Terry founded his firm because he saw the unfair ways in which insurance companies treated individuals, and he believes that ordinary people need and deserve the same high quality legal services as large corporations. Our clients have the entirety of our firm’s resources behind them as we work to right the wrongs done by their health insurance companies.
When declined claims are an issue, act quickly. Contact our team at 405-463-6362 to schedule a free consultation. Let us review your case and explain how we believe we can best support you.
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