Contact a Raleigh medical insurance claims attorney to learn what your next step should be if your injury claim is denied. Even though it may seem obvious to you that another driver was at fault in your accident, you may find yourself facing this situation. In this case, you are left to deal with mounting medical bills, along with the possibility of missing work.
What to Do When an Injury Claim Has Been Denied
You will first need to determine why your claim was denied. It may have been for any number of reasons, including the insurance company’s attempt to avoid payment.
Typically, you can expect to receive a letter explaining why your claim was denied. It may be that you failed to complete an important step, such as submitting paperwork that was requested. This doesn’t necessarily mean that you can’t collect payment. You may just have to resubmit the missing form, receipt, or other documentation that wasn’t originally provided.
Even a simple mistake like this can become a hassle, though. The insurance company may still try to deny your claim or drag things out longer than necessary. This is where an attorney can help.
There could be other reasons for denial, which may be a lot more complicated to work through than resubmitting paperwork. If the insurance company indicates there isn’t enough evidence to show the other driver’s fault, you may have to provide additional proof. An attorney may be able to assist with this as well.
Common Reasons an Injury Claim May Be Denied
Some of the more common reasons for the insurance company to deny a claim include:
- lapsed coverage;
- vehicle involved in accident was never added to policy;
- you carry liability but not collision coverage;
- damage is greater than the limits of your policy; and
- you are not an insured party on the policy.
These could be valid reasons for a denial. However, if after evaluating your policy, you discover it was still wrongfully denied, you may have the right to appeal that decision.
Keep in mind that the insurance company may initially deny a claim without a good reason. Don’t take their word for it; do your part to make sure it was not done in bad faith.
Appealing an Injury Claim That Has Been Denied
If you would like to appeal the decision made on your claim, you should submit documentation to the insurance company that shows their mistake. For instance, if they denied your claim because your policy lapsed due to nonpayment, you could send them a copy of the check that shows otherwise.
Hopefully they will try to negotiate a fair settlement with you. If not, you may then need to contact your state’s insurance commissioner to appeal the decision.
Of course, you could find yourself in what appears to be a losing battle. This may be the time to secure help from an attorney who has experience dealing with bad faith insurance claims.
Contacting a Raleigh Medical Insurance Claims Attorney
There are several ways an attorney at Brent Adams & Associates can help. If you are missing documentation, they can help provide it. If additional evidence is necessary, they can assist with collecting it.
An attorney can also help you file the appeal and fight for the compensation that you are seeking. Don’t hesitate to secure legal help when your rights have been wrongfully denied. Contact a Raleigh medical insurance claims attorney to discuss your case. The insurance company may not be on your side but we are. Call today for a free consultation – 800-849-5931 or 910-892-8177.