How to Get Your Insurance Company to Pay Your Denied ClaimPosted August 25, 2017
Dealing with a denied insurance claim can be a huge hassle, but unfortunately, you must if you want to cover costly medical care or extensive property damage. Insurance claim denials are an all too common occurrence, even for claims for obviously necessary medical care or property damage. Even if a denial was a clear mistake, chances for a swift and easy resolution are slim. If you were handed a denial for a discernibly valid claim, our experienced insurance bad faith attorneys at The Bennett Law Firm have a few words of wisdom to help you resolve your claim and obtain the coverage you deserve in as little time (and with as little headache) as possible.
Tips for Dealing With a Denied Claim
If you want to appeal your claim decision and get the money you need to pay off your medical bills or repair damaged property as swiftly as possible, keep these tips in mind:
- Ask for a written reason for the denial.
Most insurance companies limit the time you can appeal a denied claim to just 30 or 40 days after you receive the denial letter. Start building your case by requesting a written letter that details the reasons for the denial within that time frame.
- Outline your argument.
Read your policy through very carefully and determine what is covered and what is not. It is not uncommon for insurance companies to deny a claim for something that is explicitly covered, so you could easily resolve your case by giving your policy a onceover. Even if you cannot find supporting evidence in the policy itself, write down exactly why you think your condition or situation should be covered, and show how the carrier’s refusal to pay your claim was unreasonable and unjustified. Thanks to the ruling of Willis v. Midland Risk Ins. Co., 42 F.3d 607 (10th Cir. 1994), this is a necessary step to establish a claim of bad faith.
If a condition is covered but your doctor worded it differently on your bill than what is in your policy, talk to your medical office and ask them to revise the wording so that it is more in line with what your insurance company is looking for.
- Hire an insurance bad faith attorney.
Navigating the appeals process is not going to be easy. It will require a significant amount of time on your part, as you must detail every interaction you have with the insurance company, remain calm and level headed, and collect and send in documents that support your claim with a detailed explanation of why those documents are relevant. Many consumers are not equipped to deal with insurance companies, and often hurt their case through wrong action or inaction. An experienced Oklahoma City insurance bad faith attorney has the knowledge and experience necessary to help you through this process with as little time investment on your part. You can go about your daily life while your attorney builds your case and negotiates with the insurance provider. Because an attorney knows what documents the insurance provider wants to see, as well as what laws apply to your case, there will be very little need for back-and-forth negotiations.
Work With an Experienced Oklahoma City Insurance Bad Faith Attorney
At The Bennett Law Firm, our attorneys deal with insurance claim denials on a regular basis. We are familiar with insurance law and understand how to communicate with insurance adjusters for the most successful outcome. If your insurance claim was denied for no seemingly valid reason, follow the three steps above for the swiftest resolution to your case, then contact our law firm for effective legal representation.