Insurance Disputes: What to Do if Your Insurance Company Disputes Your Claim

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In an ideal world, your insurance company will resolve your claims quickly and painlessly, allowing you to reimburse costs of damage within the timeframe you need it to be. Your insurance’s coverage is clear and easily understandable, and making a claim is a straightforward process. In an ideal world, the trains would also run on time, it always snows on Christmas, and the Democrats and the Republicans would co-operate in Congress. Sadly, it is not to be.

Many insurance holders may, at some point, find themselves in the unfortunate situation of finding that when they claim insurance, their insurance company has decided to dispute their claim. In their eyes, the holder has not actually suffered a damage that is covered by their insurance. Or they may be willing to provide the claim, but disagree with the amount the claim should be given.

Should this happen, it leaves the insurance holder in a bit of a pickle. What can they do?

Insurance Disputes

First Steps

If you think your insurance company is unfairly denying you the claim you think you deserve, the very first thing you should do is to review your insurance policy. Make sure to go over details such as the sort of damage covered, any conditions that may invalidate a claim, the amount offered to cover the damage, and any expiration dates that you may have inadvertently passed.

Make sure you note down the policy exactly as worded. This may come in handy later during your claim. If you find that the wording is unhelpfully unspecific, then note that down too. This may be a case of your company deliberately trying to obscure information, which is a big no-no on its part.

If at any point you sent the company a letter advising them to change your policy due to a change in circumstances, such as the birth of a new child or moving house, then make sure you have a copy of that letter too. As an insurance holder, you have a responsibility to let your company know of any changes in your current circumstances that may affect your claim.

Once you’ve reminded yourself of your policy, review any evidence about your accident that you originally made a claim with. These are things such as reports and receipts, photos of the damage, date-stamped letters and e-mails, and any bills from professionals such as repairmen or doctors. Make sure it’s accurate, up to date, and securely stored away somewhere safe.

Witness statements are invaluable too if you can get them. Especially valuable are assessments from independent contractors, as they can provide a neutral third-party perspective on how much damage has been done and how much should be able to cover it.

Making a Formal Complaint

Check, double check, and triple check your policy to make sure you understand correctly and you’re certain that you should be covered by it. It pays to make sure.

Once this has been done, you should also contact your insurance company right away. Ask them why your claim has been disputed, and be sure to take a record of anything said. Place the phone on loudspeaker and record the phone call, for example, and keep copies of any letters or e-mails sent. If they ask you any questions, make sure you answer each one as honestly and accurately as you can.

When making a formal complaint, be sure that it’s clearly presented. Include any vital information, including the date of the accident, the date the claim was filed, any relevant policy details such as the policy number.

If you have any issues working with your insurance company you may want to involve an insurance law attorney, such as David Heil in Orlando, FL, to assist you.

 

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