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Insurance Issues When You Have Been Injured

Insurance Challenges after An Injury

Insurance agentWhen you have suffered needless injury because of the carelessness or negligence of another person, your first course of action, after getting the care you need, will likely be to submit a claim with your insurance provider for your losses. Often, though, insurance companies engage in tactics to delay, diminish or deny legitimate claims. Insurance companies are for-profit businesses, with a focus on maximizing shareholder value. The less they pay you, and other legitimate claimants, the more they can pay their shareholders.

If Your Claim Is Denied

You don’t have to accept the insurance company’s decision. In most instances, it’s best to be represented by an attorney, but there are some things you can do to get the process moving.

First, request that your insurer provide you with the appropriate forms to appeal the denial of your claim. In addition, ask the company to provide you with a specific reason for the denial in writing. In the interim, pull together all documentation to support your claim, including medical records and proof of out-of-pocket expenses, as well as all communication with your insurer.

If you file an appeal and it is denied, you can ask the state department of insurance to review your claim. When you file a complaint with the state department of insurance, an investigator will conduct an investigation of the facts and circumstances of your injury. The investigator will likely review any documentation that you provide, and will also interview witnesses. If the investigator concludes that your claim was legitimate and should have been paid, the insurer may face penalties and other sanctions, may be ordered to pay your claim, or may be ordered to mediate the claim.

Contact Our Office

To arrange a free initial consultation, contact us online or call our office at (302) 777-1000. Evening and weekend meetings can be arranged upon request. We will come to your home or the hospital, if necessary.

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