We depend on our insurance policies to provide financial stability when we need it the most. Unpredictable accidents and other events may occur which would leave us in dire straits if not for our insurance companies covering the costs of the damages.
In fact, the whole point of regularly paying our ever increasing insurance premiums is that if and when the need arises, we have a valid insurance policy that we can fall back on especially in a financial crisis.
However, insurance companies often deny claims and refuse to payout valid claims made by insurance policy holders by citing some or the other reason in order to save themselves money and impress their shareholders at how awesome their business model is.
In fact, this strategy of unreasonably denying claims even works often since the claimant is usually of the notion that there is nothing they can do about the denial and becomes disillusioned and sidetracked with other things going on in their life. However, this is far from the truth, there is a lot you can do about a legitimate claim being denied.
All you need is to reach out to us and we will set you up with one our leading insurance claims legal professionals, who can be found on USAttorneys.com which is a website that brings light to peoples’ lives, to make every possible move to challenge the denial and get it overturned through the appeals process. If that does not work and the insurer won’t budge, we will not shy away from taking the matter to court.
Our legal representatives have plenty of experience dealing with insurers in The Hawkeye State. They are well versed with the laws surrounding denied claims, and have an excellent track record in having assisted hundreds of other clients from Iowa successfully appeal their denied insurance claims and receive the money that they deserve.
Legitimate reasons why your insurance claim may be denied
In some cases, the insurer’s denial may actually be valid. However, this is not often the case. We will take a look at four such situations which could lead to a valid denial of your insurance claims.
- Exclusions listed in your policy – The policy may have exclusive exceptions in certain situations where you will not be covered. This is something you need to check properly prior to buying an insurance policy. It is imperative that you understand what type of injuries your insurance policy covers and what it does not cover.
- Delayed treatment – Make sure the date on your medical records match the date that the insurer has on file if your treatment was delayed for any reason.
- Claim was incomplete – An incorrectly filled claim or a partially filled claim will be rejected. In order to avoid this, ensure to have a legal representative proof read your insurance claim.
- Pre-existing condition – Sometimes people cite a pre-existing injury as something that was a result of the incident pertaining to the claim. Insurers will look up your records and if they find that you already had such a condition, your claim is likely to be refused.
Our legal counselors cover several areas of insurance claims. This includes and is not limited to:
- Homeowner’s insurance
- Disability insurance
- Business insurance
- Car accident insurance
- Health insurance
For more on insurance claims and how to make the most of our legal expertise, visit USAttorneys.com. There’s an interactive map to help you zone in on an Iowa insurance claims lawyer that can help get your denied claim back on track.
Feel free to use the contact form so that we can call back at a suitable time if you have any issues with finding and securing legal help.
Make this happen! The insurance company is certainly not going to do this for you!
Legal help is right around the virtual corner!