Beckett Personal Injury Office In Downtown London

January 8, 2021

Insurance Claim Denied? Here’s What to Do

Dealing with insurance companies can be a long, confusing process — especially if your claim is denied. It’s not always clear what steps to take to ensure you get the compensation you deserve.

Why Was My Claim Denied?

When your insurance company denies your claim, it will notify you in writing. You need to read the letter carefully and identify the basis for the denial. If you did not receive a letter, ask your insurance company to provide you with one.

There are several circumstances in which claims may be denied, including:

  • You missed the deadlines or time limitations for filing
  • There are clerical errors in your application
  • You failed to provide required medical evidence, or the information that you submitted was incomplete or unclear
  • You did not make all your premium payments
  • And more...

What Are My Options?

If your claim was denied and you do not agree with the decision, you have three options: appeal the decision, file a lawsuit, or negotiate a settlement.

To appeal the denial, paperwork is submitted using your insurance company’s internal appeal process. While this is certainly presented as the best approach, and you may believe you have a good chance of winning, there are some important factors to consider before making an appeal.

In almost all cases, when you appeal the insurance company’s decision, the “appeal” is simply the same insurance company reconsidering its own decision. This process could take many months, meaning you may miss the deadline to file a lawsuit as you wait for it to notify you of its decision.

Appeals do not succeed very often and it may often turn out that filing a lawsuit is your best option.

What Should I Do?

The first thing you should do any time your insurance claim is denied is speak to an experienced lawyer. The experts at Beckett Personal Injury can help you understand your policy, notify you of any deadlines, guide you through the claims process, review your forms and documents, and deal with the insurance company. This will help ensure that you are treated fairly and get the compensation you are entitled to.

It is not always necessary for a lawsuit to be filed in order to dispute a denial. Often, an experienced lawyer can deal with the insurance company before litigation is started to get you the compensation you deserve without having to sue.

If you need a personal injury lawyer who has the experience and expertise to fight for your rights, contact us today.

Published on January 8, 2021

Beckett Personal Injury Office In Downtown London

December 18, 2020

Do You Have to Shovel Your Sidewalk in Ontario?

Who's responsible for shovelling the sidewalks when the snow hits — City, homeowner or tenant? We answer all your questions about the laws and bylaws of snow removal.

Read More
Beckett Personal Injury Office In Downtown London

December 2, 2020

Winter Driving Tips for Ontarians

During the winter months, regular blizzards and hailstorms make safe driving particularly difficult. Follow these driving tips to ensure you get from point A to B safely this winter!

Read More
Beckett Personal Injury Office In Downtown London

November 23, 2020

The 6 Most Common Mistakes Following a Car Accident

Do you know the right course of action to take following a motor vehicle accident? Follow these dos and don'ts to prepare for litigation.

Read More

Book your FREE Case Evaluation

Get Started Now