What do I do if my claim is denied?
If an insurance company denies your claim, the most reasonable thing to do is to hire an experienced personal injury attorney to fight for you. The attorney will review the reason for the denial and then decide how to proceed with such a case.
Why Do Insurance Companies Reject Claims?
Insurance companies reject claims for various reasons, sometimes due to their own greed and selfish interests and other times due to mistakes made by the claimant. For instance, the insurer might deny a claim when they realize that the claimant does not have an attorney or does not seem to understand their rights. Other companies act out of bad faith, denying claims without a valid reason.
It is also important to note that insurance companies cannot deny a claim without providing a reason. That is illegal. If you filed a claim and were denied without any explanation, you may be able to sue the insurer for acting out of bad faith.
Mistakes such as missing crucial deadlines, failure to follow protocol, and actively contributing to the incident could lead to denial. For instance, if you get injured in a car accident and fail to seek medical attention, usually no later than 14 days after the accident, the insurer will likely deny your claim on the basis of missed deadlines. Similarly, the insurance company will not accept your claim if you are not covered for that particular incident.
How Can an Attorney Help if the Insurer Denies My Claim?
If you believe that the insurer denied your claim unfairly, hiring an experienced attorney could be the game changer. The first thing the attorney will do is review the circumstances of your case. And if you are covered for that particular injury, either through your own insurer or the other party's, the lawyer might be able to help file a new claim.
Insurance companies can also deny a claim due to a lack of enough evidence. But sometimes, collecting the required evidence after an accident may not be possible. This is especially true if you suffered severe injuries preventing you from taking pictures, gathering witness information, recording videos, or other evidence collection, to build a strong case against the other party.
An experienced attorney can help collect crucial evidence on your behalf and build a strong case. The lawyer will then submit the evidence to the insurance company, ensuring you receive the compensation you need and deserve.
Should I Accept the Settlement if the Insurer Agrees to Settle?
The answer to this question is yes and no.
Yes, you should accept it if you did not suffer any significant injuries. For example, suppose your car was damaged during an accident, but you did not suffer any physical injuries. In that case, you can accept the settlement from the insurance company to fix the car.
But if you suffered serious injuries, especially those requiring surgeries, you may need to speak with an attorney first.
Why Should I Contact an Attorney Before Signing a Release?
Signing a release marks the end of the claim. The last thing you want is to end a claim prematurely with mountains of unpaid bills. Once you sign the release, you cannot change your mind and reopen the claim.
Also, bear in mind when insurance companies try to rush you into signing a release, chances are they want to close the case as soon as possible. This is also because they do not want you to hire an attorney. They know that an attorney might be able to help you maximize your claim.
The good thing about speaking with an attorney is that you have nothing to lose but so much to gain. For example, at Morgan and Morgan, we understand the various games insurance companies play to avoid liability. For this reason, we can read between the lines and be able to tell if the insurer is not sincere with you. And if you deserve more than the initial claim from the insurance company, we might be able to fight for you.
Why Should I Trust Morgan and Morgan Attorneys to Fight for Me?
If you have ever dealt with insurance companies, you probably know that they are only friendly when collecting payments from you. However, when it is time to pay out what they owe, most insurance companies turn into selfish, money-hungry entities. Bear in mind that these companies invest millions of dollars in their legal team to help defend them in and out of court. Therefore, having Morgan and Morgan attorneys on your side sends a strong message to the other party that you are serious with your claim.
To put things into perspective, so far, we have helped our clients recover more than $13 billion as compensation for various injuries they sustained due to someone else's negligence. But you should not take our word for it; here are our most recent results.
With such a high success rate, it is unlikely that the insurance provider will want to play games if you have a valid claim.
This is because Morgan and Morgan has powerful legal resources, experience, and a proven track record of handling these kinds of cases. So if you or your loved one has been denied a valid claim, do not curl and feel sorry for yourself. Rather, contact Morgan and Morgan by filling out our free case evaluation form today. We might be able to fight back, helping you secure the compensation you need and deserve.