Dealing with an injury is difficult. When your insurance company refuses to pay or does so slowly, it adds unnecessary stress.
Regardless of how the injury occurred, the insurer should honor the policy. However, this is not always the case. Having an attorney on your side may help ensure you do not miss out. Learn how an insurance company may attempt to deny or delay your claim otherwise.
Common reasons for denial
Insurance companies accept your payments, so they should payout when you need them. Unfortunately, this does not always happen seamlessly. Since insurance companies want to make money, they may make excuses to avoid paying out on a claim. Common reasons for a claim denial include:
- You lacked the appropriate coverage
- Your policy lapsed
- You did not report the accident timely
- Your claim forms did not contain the required information
The insurer may also act slowly in processing the claim, delaying medical payments. This may cause a pause in your treatment. A lawyer may help get things moving in the right direction.
Next steps in the face of a denial
A claim denial does not mean you are out of luck. You may pursue an appeal or submit missing information to get the insurance company to take another look. Keep in mind that there is a statutory time limit on filing a claim. You have two years from the date of the accident to file a claim. This timeframe includes an appeal should your claim face denial.
Some insurance companies may try to settle with you for less than what you deserve. Your lawyer may help guide you through the process to ensure the proper party pays what it owes.