When you’ve suffered a severe accident, then one of your top decisions
to make is how you will support yourself until your injury heals. For
most people, the best solution is to file a personal injury claim. Injury
claims can provide you the funding that you need to pay your medical expenses
and to stay on your feet until you can return to work.
Unfortunately, it’s very common for your insurance claim to be denied,
which makes it important to learn how to best respond after a denial occurs.
Discover how you can effectively respond to an injury claim denial with
the advice and assistance of an experienced personal injury lawyer.
Compare the Denial to Your Policy
The best way to respond to your claim is to understand the fine details
of your insurance policy. Most insurance policies are dense and filled
with exclusions, and it is in these exclusions that you may find the reason
for your denial. Inspect your policy line by line and try to see if it
matches up with the denial letter your insurance company sent you. If
the reason for denial is not found in your policy, then you may have grounds
It’s also a good idea to examine your letter. Look for incorrect
information or anything that seems intentionally misleading. A denial
letter that is not accurate or contains falsehoods can also be used to
dispute your claim.
Dispute the Claim in Writing
Once you have found your reason to dispute your claim denial, you need
to submit it to your insurance company in the form of a letter. Make sure
that your letter is short, to the point and contains the exact reasons
that you think your claim should have been approved.
Most commonly, your insurance company will request that you enter into
arbitration after receiving their letter. While many people agree to this
to avoid a lawsuit, you should never consent to an arbitration hearing
unless you’ve hired a personal injury lawyer. The insurance company
will absolutely have their legal team at the hearing, and if you’re
not represented as well it can result in you losing out on your claim.
Your Options for Legal Action
It’s extremely common for your insurance company to either ignore
your dispute letter or to respond to it unacceptable. When this happens
with your claim, your only recourse will be filing a lawsuit against a
company. If you do have to file a suit, it will either be for bad faith
or breach of contract.
A bad faith lawsuit hinges on proving your insurer did not handle your
claim correctly and never intended to do so. This can include lying to
you about the terms of your policy or never examining and investigating
If you sue for breach of contract, you must show that your insurer has
not upheld the terms of the policy you both agreed to. Typically, this
results from an insurer denying a claim for an injury that is explicitly
covered by your policy.
Retain a Personal Injury Lawyer
If you’re worried about disputing a denied claim with your insurance
company, you need the help of a personal injury lawyer from the
Dunnion Law Firm.
The Dunnion Law Firm knows how to stand up to insurance companies so that
you can receive your just compensation.
Contact us today.