Incorrect Claim
If any incorrect information is reported, even accidentally, the claim could be denied. In addition, there are cases in which the injured party did not follow the claim requirements exactly, which could prompt a denial.
Incomplete Claim
Failing to fully and properly report the claim or failing to provide all the necessary information can also result in an initial denial.
A 2011 study conducted by the Government Accountability Office found that many claims are denied based on simple paperwork errors. Additionally, that same study reported that denial rates among insurance companies can reach as high as 30 percent, but when the insured parties challenge these denials, they are ultimately successful in obtaining benefits in half of those initially denied claims.
So, why do insurance companies continue to deny claims for these trivial reasons? An LA Times article suggested that these large companies may hope that claimants will simply give up trying to overturn a denial because they’re overwhelmed and unsure of their rights.
Your Rights When an Insurance Claim Is Denied
It’s understandable that people may hesitate to continue to pursue a claim after a denial, especially when they are already dealing with a serious injury and the stress that accompanies that injury. However, insurance compensation can make all the difference in an injury victim’s ability to recover as fully as possible. It also can have a significant impact on the victim and his family’s financial stability. That’s why it’s important to fight back. An initial denial does not have to be the final word on your insurance claim, and an experienced insurance attorneys can help.
An effective insurance lawyer can make sure that victims and their families are fully aware of their rights, and they can provide the guidance needed to pursue a successful claim. If your claim has been denied, our attorneys may be able to:
- Review your policy and explain your coverage
- Review paperwork to find any errors or omissions
- Submit an appeal with the insurance company for reconsideration
- Negotiate with the insurance company
- File a bad faith insurance claim if the company still refuses to pay a legitimate claim
Have You Been Injured In A Charleston South Carolina Area Car Accident?
If you've been injured in a car accident you should speak with a car accident lawyer as soon as possible. Contact us online or call our Charleston, South Carolina office directly at 843.488.2359 to schedule your consultation. We are also able to meet clients at our Conway, Myrtle Beach, Murrells Inlet, Mt. Pleasant, North Myrtle Beach or North Charleston office locations.
