Upon receiving a denial letter, manyFirstCoastpersonal injury claimants simply assume that the insurance company is right and that their claim held no water. However, many denial letters are improper, part of an attempt to dissuade claimants from going after legitimate claims, in effect cheating them out of their money. It happens rarely, but savvy claimants should still be on guard.
Here are some signs of an improper letter:
- The denial letter has either incomplete or erroneous information regarding the details surrounding your claim, or makes no reference to details specific to your claim.
- The denial letter has a major discrepancy in the policy it cites as basis for your denial. This can include the citation of a nonexistent clause in the policy or a clause that is irrelevant to the details of your claim.
- When contacted, the insurance company refuses to provide the full text of the policy after denying your claim.
- Your insurance company attempts to reserve its right to continue to defend its policy, and then it continues to ask for information regarding your claim. The insurance company will attempt to use this information against you; after all, if it had enough information to deny you, why would it need more information?
- Your insurance company immediately responds to the submission of your claim by accusing you of fraud.
If your denial letter contains any of these signs, or you have any other reason to suspect your claim is being wrongfully denied, get the legal advice and representation of a qualified First Coast personal injury lawyer who can help you win the compensation you deserve. Do not hesitate to call experienced First Coast personal injury lawyer John Fagan today for a free initial consultation.