We have all seen people around us struggling to recover compensation for their insurance. Companies make it sound very easy when they sign you up, but the reality is quite the opposite. As you walk in to claim your insurance, keep in mind that there are numerous reasons why your claim might be denied. There are multiple ways in which you can deal with this situation. A good lawyer can be of great help in such cases.
Insurance claims can be made for several reasons. From different forms of property damage to injuries, there is a whole set. No matter what you are claiming for, experienced attorneys from Denham Property and Injury Law Firm and other top law firms will help you out.
Now coming back to the primary question — what are the different reasons insurance claims get denied? Read on to find out!
Insurance Claims: 5 Common Reasons for Getting Denied
Insurance companies may come up with unbelievable reasons to deny your claim. Some may even seem shocking to you. There are tips to avoid insurance claim denials that can help. However, having a basic idea about what can lead to rejection will be helpful.
So here’s a list of the common ones so that you don’t walk into the insurance office completely unaware.
- ExclusionsÂ
Every insurance policy is not the same. The inclusions may differ from one plan to another. If you check your current policy, you will probably find more exclusions than you can imagine. They may deny your claim if you apply for damage that is not included in the policy.
- Pre-Existing Wear & Tear
Your insurance company might deny your claim, stating that the damage existed before you joined the plan. They may also try telling you that it is a previous condition that you did not claim for at the time. Tough, we know.
- Oversight
Victim blaming when trying to claim insurance is no news. The company may reject your claim, stating that the damage was caused due to your negligence. Such an approach rules out the conditions that the policy includes altogether.
- Non-Payments
This is one of the genuine reasons. If you fail to pay any premiums, the company may reject your claim. However, how many premiums were missed? That matters too.
- FalsificationÂ
The company may try to accuse you of misrepresenting the information at the time of policy purchase. These may sometimes be serious enough to land you in legal trouble.
Lawyers: The Insurance Claim Saviors
As mentioned earlier, there are multiple ways to deal with an insurance claim denial. But whatever the case, turn to a trusted lawyer! They are equipped with a detailed understanding of the finer details of insurance claims. Here’s how they can help:
- Understanding the Reason for Denial
Insurance companies can be vague with their reasons. It may leave you in a confused state. An attorney will guide you through it and help you understand the reason behind the denial.
- Preparing for the AppealÂ
When you feel that the denial was not fair, you have the right to file an appeal. This basically elaborates on why you think the claim should not be denied. An attorney will help you prepare a strong request by factoring in all the reasons to back your appeal.
- Representation at CourtÂ
Sometimes, the issue may seem difficult to solve internally. However, this does not mean you back off. You can take the step towards filing a lawsuit. A good lawyer who has a complete understanding of your situation can represent you in court.
If you are currently stuck with a denial or are planning to claim your insurance, keep the above points in mind. And remember, you do not have to face it alone. Seek professional help so that you do not undergo a loss.
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