The Insurance Company Denied My Claim. What Now?

If an insurance company, whether it is your provider or the provider of someone who caused you harm, denies your claim, it could be failing to fulfill its legal obligations. This is often called acting in “bad faith,” and you have the right to challenge the insurance company in such a scenario. Speaking with a knowledgeable injury attorney is a good place to start so you can find out what options are available to you. An insurance provider is legally and ethically responsible for settling claims fairly with those who have purchased a policy that offers such protection. This includes the responsibility for the company to pay out compensation to a victim who was harmed by the negligence of a person it insures.

If an insurance company is limiting your ability to pursue a claim or is refusing to give you specific reasons for denying a claim, it may be sidestepping its legal responsibilities. The first thing you should do is contact the insurance adjuster and explain why you believe you’ve been denied in bad faith. You may get him or her to pay attention if he or she knows you understand this concept. If you still cannot get the help or information you deserve, write an accusation of bad faith letter to the insurance company and use the name of the adjuster involved with your case. A letter like this may quickly change the company’s stance on your situation.

If these steps do not work, it is time to speak with one of our attorneys. If we can prove that the insurance company denied your claim in bad faith, we can likely earn you compensation well above the original amount of your claim. The insurance provider may wish to instead negotiate a settlement to avoid a fight in court, in which case you are likely to receive fair compensation for your claim and possibly any additional costs you incurred related to your case. Our team has tried more than 40 cases to jury verdict. We will aggressively fight for your rights no matter what the challenges, and we will do so at no cost to you unless we win.

For more information about how an injury lawyer can help you, please contact our office.