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Actions To Take If Your Insurance Company Denies Your Claim Status

Actions To Take If Your Insurance Company Denies Your Claim Status

The payment of premiums serves as proof of a policy holder’s claim status. If an insurance company has not received any premiums, it cannot guarantee coverage of the delinquent policy holder.

A policy holder’s assumed status can be denied; the evidence of the denial normally takes the form of a letter.

The same letter should give the name of a contact person. The denied policy holder needs to get in touch with the named contact person. That contact should know the reason for the denial.

If the insurance company simply wanted to look at one or two further documents, the denied policy holder ought to locate those same documents, and then send copies of those retrieved documents to the insurance company.

Suppose the policy holder’s request goes unanswered?

If the insurance company does not offer a clear explanation for the denial, then the policy holder has the right to contact the Department of Insurance for the state or province. The insurance company should be informed about the effort to reach out to the Department of Insurance.

Suppose that mention of the letter to the Department of Insurance does not elicit the desired response?

In that case, the denied policy holder should give serious thought to hiring a lawyer. It would make sense to consult with several lawyers, and to find out whether any of them view the filing of a lawsuit as a good idea.

There is no point to filing a lawsuit, if the consulted injury lawyer in Fountain Valley does not believe that the potential client, the denied policy holder has a strong case. Obviously, if the premium payments had not been paid on time, the considered case would be quite weak.

On the other hand, if a single document had been absent from the initial application, and that single paper had been sent later to the insurance company, then the company’s denial would seem to suggest bad faith on the part of the insurer. In other words, the denied policy holder would have a strong case.

Hence, in the second instance, it would appear reasonable for the insurance-deprived adult to hire an attorney. Of course, that client-lawyer team would need to assemble proof of the fact that the missing document had been sent to the insurance company. That would substantiate the claim that the insurer no longer had a sound basis for the denial of coverage.

Submission of both a completed application, along with all the supporting documents, as well as payment of the expected premiums should provide a denied policy holder of the chance to restore his or her status. Lawyers understand that fact. Hence, an experienced injury lawyer should stand ready to accept a case such as the one described above.

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