Roeder Smith Jadin, PLLC
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Was my insurance claim denied unfairly?

Paying for insurance can be a frustrating financial obligation. You know that you need to so you can have health, home and car insurance, but you also hope that you never go through an experience that results in having to file a claim. 

This is why it can be so devastating when an insurance claim is denied. In most cases, you may be reeling from an accident, injuries or damage to your property, and the only peace of mind you might have is the assurance that insurance will take care of everything. If your claim is denied or delayed, it can be crucial that you establish whether that decision was made lawfully or not.

Insurance companies can and do deny claims legitimately for a number of reasons, including:

  • Lack of coverage due to a lapse in coverage or conditions that are not covered by your specific policy.
  • Damage or injuries stemming from intentional or reckless acts (like drunk driving or arson)
  • Fraud on a policyholder's part
  • Your failure to comply with certain conditions of your policy

On the other hand, bad faith actions can lead to an unfairly and wrongfully denied claim. These actions might include:

  • Denying your claim for unexplained reasons
  • Delaying payment without grounds or explanation
  • Paying out less money than you deserve
  • Misleading you or lying to you about your policy or coverage terms

Unfortunately, the line between legitimate and wrongful reasons for an insurance claim denial is quite fuzzy, and your insurance company may not be interested in helping to clarify things. 

Because of this and because of everything that is at stake in these situations, it can be crucial that you consult an attorney if your insurance claim was denied or delayed. A legal representative can help you see your rights and legal options clearly and guide you through the process of protecting yourself and your family.

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