Philadelphia Insurance Claims Denial Lawyer
If you have been hurt in a car crash, during a slip and fall on someone else’s property, or have been involved in another type of accident, you may be able to file a claim to recover compensation for your losses. Many people think that because insurance is intended to help them through difficult situations, obtaining compensation from an insurer is fairly easy. Unfortunately, that is not the case. Insurance companies prioritize their own profits over the safety and well-being of accident victims. If your claim has been denied, our Philadelphia insurance claims denial lawyer can help you obtain the compensation that is justly yours.
Why Do Insurers Deny Claims?
There are many reasons insurance companies deny claims. Sometimes, the claim is actually invalid according to the terms of the policy. For example, many insurance policies require motorists to report all accidents to the insurer within a certain amount of time. If the crash is not reported within that set period of time, it could negatively impact a person’s ability to claim compensation.
However, many insurance claims are denied because insurance companies simply do not want to pay out on them. Even the Department of Justice (DOJ) has published a pamphlet stating that some of the largest insurance companies throughout the country, including right here in Pennsylvania, deny claims in an effort to increase their own bottom line. Some insurance companies even provide incentives to their employees who have denied valid claims, terminated employees who refused to deny legitimate claims, and even committed fraud to avoid paying out on claims.
First Party vs. Third Party Claim Denials
After an insurance claim denial, it is important to understand whether your claim is a first party claim or a third party claim. A first party claim is one in which you have received a denial from your own insurer. A third party claim denial is one you received after filing a claim with the insurance company covering the negligent party that caused your accident.
The appeal process may vary depending on the type of claim you filed. With a first party claim, you may have to file an appeal with your own insurance company. With a third party claim, you can usually file a lawsuit directly against the insurance company.
What to Do After an Insurance Claim is Denied
Being denied compensation by an insurance company is very stressful, but there are steps you can take to make it right. These are as follows:
- Understand the terms of the insurance policy and the steps necessary to file an appeal
- Fill out all forms completely and properly so the insurer cannot use one small mistake to deny your claim
- Do not accept any premium refunds, as the insurer can use this to argue that the acceptance constitutes your agreement with the denial
- Make sure any and all communication with the insurance company is in writing
- Speak to a Philadelphia insurance claims denial lawyer as soon as possible
Our Insurance Claims Denial Lawyer in Philadelphia Can Advise You of Your Legal Options
Whether you need to file an appeal with the insurance company, or you need to file a lawsuit, our Philadelphia insurance claims denial lawyer at Ellenberg Law Group can help. Call us now at 215-790-1682 or contact us online to schedule a free consultation and to learn more.