So you’ve experienced some form of accident thanks to which you are seriously injured, and you currently are not capable of going back to work. Something like this can honestly be extremely stressful.
But then, as a silver lining, you think that compensation is going to make things better, only to realize that your insurance claim has been denied and that you will receive no compensation. What a mess!
So what are you supposed to do? Give up? Most definitely not! Why would you when there are things that can be done that are going to help you get the compensation you hoped for? Wanna know what steps to take? Just scroll below!
Make Sure To Uncover The Reason Behind This Decision
Although it’s true that the insurance company has every right to deny your claim, they are still obliged to tell you why they did it. They cannot just say “no” and that’s about it. If you didn’t receive any further explanation, then you can always demand a written one where all the reasons will be enumerated.
The truth is, there are a number of reasons why your claim is denied. Some can be perceived as acceptable, but then there are those that are far from legitimate. In some cases, the insurance company will deny your claim because:
- The insured didn’t cause the incident
- You could have taken specific steps to prevent the accident
- It was partially your fault
- You were supposed to first notify the company before making a claim
- You didn’t gather any medical proof of your injury
- Your injury was there before the accident
An Attorney Can Help You
If you are positively sure that the insurer is going to deny the claim once again, then it’s time to put your trust in the hands of a professional, so you can increase the chances of a positive outcome.
So, to whom does this statement apply? We are referring to the Principal Financial Group Disability Lawyers who can help you (and everybody else with a similar problem) get the compensation you deserve, and simultaneously, cover all your medical costs. We firmly believe that for you right now, this is a very traumatic situation that cannot be handled all on your own.
Why is it a good idea to have an attorney by your side? Keep in mind that these legal professionals are here to represent you and to prove to the insurance company that they wrongfully denied your claim.
That’s something that a person who isn’t familiar with the law and how it functions would hardly be able to accomplish.
You Can Always Dispute The Denial
Now, if you received the letter from the insurer, yet you noticed that their explanation is quite poor and vague, or that it consists of information that’s not true, then feel free to write a letter that’s going to dispute this denial.
So what is this letter supposed to look like? It would be advisable to create one that contains as many useful details as possible, however, make sure not to write something that’s too long. It would be best if you stayed as concise as possible.
If you concluded that they wrote something that’s false, then you have every right to demand an explanation from them, especially when it comes to the parts of the letter that are quite confusing and ambiguous.
Bear in mind that your policy may potentially contain provisions that usually require you to utilize dispute resolution in order to solve these problems. Now, before you take any further steps, do not forget to talk to your advocate first due to the fact that it’s not always the smartest idea to go against the insurance company.
Time To Collect The Evidence
If you once again received the explanation from the insurer, and you’re still not satisfied with it, then it’s time to go through the insurer’s appeals process. Remember that you must do this as soon as you can. So what must be done during this process?
- For example, if you were in a car crash, then you need to gather pictures, statements from witnesses, police records, medical records, and other relevant paperwork.
- On the flip side, if you’ve had an accident at work, then you must collect pictures, videos, also witness statements, medical records, proof of poor-quality lighting, lack of signage, etc.
No one likes to be in this very unenviable situation, however, these are the things most of us have no control over. But what you can do to turn things around is to implement all these tips that we provided you with.
