What To Do If The Insurer Denies Your Claim

Insurance is supposed to be a guarantee that we will receive compensation for the losses suffered due to certain unfortunate events in life. Such as a car or work accident, a fire in our home, or the loss of a loved one, among others. It's no secret that we often purchase insurance, coverage, and policies with the goal of being prepared for the future and protecting our families. But unfortunately, when it comes to dealing with insurance companies, things don't always go as promised. Therefore we plan and hope that they occur. We tell you what to do if the insurance claim rejected help.

It is important to remember that an insurance policy is a legal contract between a person and an insurance company. The company is responsible for compensating the insured in cases of damage, injury, or death. That is, the insurer must comply with its part of the deal. So when we file a claim with an insurance company, we expect the company to act in good faith. We hope they assert our claim.

However, insurance disputes often occur when an insurer denies your claim. Which is apparently valid. Many times without a legitimate reason or without explanation. In many cases, they only investigate a claim if the insured initiates legal action. Therefore, when this happens, it is necessary to take the case to the authorities with the help of a lawyer.

Car insurance:  After a car accident, one of the first things we should do is contact our insurer to start the claim. Car insurance should cover expenses for damages, etc.

Work accident insurance:  Almost all workers are covered by workers' compensation or compensation: Workers' compensation is employer-paid insurance that covers financial benefits and/or medical treatment: which is for employees who are injured or become ill as a result of their work.

Life insurance:  It is insurance that should compensate the person's family in case of death.

Home insurance:  This type of policy protects the home against damage from fire, earthquakes, hurricanes, and other unforeseen events. Insurances vary in terms of the events they cover depending on each company.

To learn about all the types of insurance disputes we handle, visit this post.

Unfortunately, insurance companies often manipulate the language of their contracts. In order to minimize or deny valid claims. These companies tend to protect their profits by avoiding having to pay policyholders. Insurance companies hold a number of valid reasons for denying a claim. Such as the insured failed to pay their policy premiums on time, which caused the coverage to lapse. Or they may say that what happened to the insured is not covered by insurance, among other excuses.

Remember: Keep in mind that almost all the demands or claims that are made before the authorities have a term and time limit to be presented. In another post, we explain better the subject of what is known as the Expiration Period.

Just as it happens when we look for a lawyer for a legal problem, having to find the right insurance company is not an easy task either. It is key that we know to who we are going to entrust our future and the well-being of our family. To do this, you can follow some of these tips:

Purchase insurance policies from well-known companies with a long history in the business.

Research the different insurers on the Internet, news, and reports.

Ask your acquaintances to recommend a trusted company.

Don't be left with any doubt. The insurance agent will try to sell you the policy no matter what. So ask him about all the details of the insurance policy. For example, what are the procedures for making a claim, what exceptions and types of coverage the insurance has, and what other relevant issues?   

Read the entire contract, the clauses, and even the fine print.

Keep the contract carefully, and keep email exchanges with the company, notes, and pay invoices.

Consult with our lawyers

If you are in an insurance dispute with a company or have a claim that was denied, contact us today. We will give you a free consultation in Spanish. Remember that there is an expiration period to start legal actions in this type of case. The sooner you start the procedures, the more and better options you will have to recover everything you lost