When insurers deny your claim for an accident, injury, or medical treatment, it can leave you feeling helpless and vulnerable. Most people are unsure about their options when they have a claim denied. However, there are many ways to fight back if you have a denied insurance claim. In this blog, we explain what you should do when your claim winds up being denied by an insurer.
If your insurance claim is denied, it is important that you remain as persistent as possible. Be prepared to experience pushback from your insurer and moments of frustration. Remember, the job of an insurance adjuster is to resolve a claim as cheaply as possible. They are not here to hand you cash and are instead trying to save their company money.
When your claim is denied, you should immediately review your policy to see what is specifically outlined and what obligations the insurer is actually responsible to uphold. Check the Explanation of Benefits (EOB) to see why the claim was denied. The EOB should also have the name and address of where you need to appeal your claim.
The next step is to submit an appeal and all relevant documents to your claim. Keep a detailed log of the entire appeal process. Keep records of dates, names of the people you speak with, and document exactly what was said. Keep copies of all written correspondence and the facts of your case handy. This includes your policy number and claim info. Having a detailed record can make a difference in whether or not your appeal is successful.
If your claim is denied, you should consult with an experienced attorney. At The Law Offices of David Henderson, we help clients across Anchorage with their denied insurance claims. Let us put our skills to work for you.
Contact our Anchorage denied insurance claims attorney to schedule a case evaluation today.