Many a time, the claim you have submitted to the insurance company gets rejected or reduced. It may leave you depressed especially if you are relying on this to meet your financial needs. Insurance companies review each and every detail pertaining to the claim and reject it based on several reasons. If you have not hired an attorney, you should click here and find a good one. Suing an insurance company to get the claim is not an easy task and you need to have an expert on your side.
Why do insurance companies reject your claim?
Insurance companies find out several mistakes in your claim form to reject it. Some of the grounds for their rejection are elaborated on below:
Not included in your coverage
They will argue that your injuries are not covered by the insurance and you will have to pay for medical expenses from your pocket. The exclusion section in the policy gives you the details of what is not included in the coverage. It is a good idea to go through this section carefully to avoid any rejection later on.
Errors in the claim form
If you have made typos and other errors in your claim form, you are likely to get it rejected. It is a good idea to check spelling mistakes, calculations and numbering errors beforehand. It should be noted that these companies review a claim form just to reject it. You should not give them any reason to do so.
Don’t try to submit a false claim
If you want to commit insurance fraud by obtaining the claim amount, you are likely to fail in such attempts. If it is found that the information is frivolous and wrong or you are trying to scam the insurance company, you will end up facing severe consequences including criminal and civil charges against you.
An insurance company may give several clarifications for rejecting your claim. Some points may be valid while others may be not. You should file a lawsuit against the company if:
- It is delaying the investigation.
- Refusal to pay a fair amount
- Crossing the timelines
- Unable to explain any valid reason
- Misinformation or giving any statement after the time to file a lawsuit has lapsed.
A good lawyer can help you win compensation even if the insurance company has rejected your claim. He can argue with them and file a case.
