Insurance Litigation Attorneys

An Insurance Defense Law Firm You Can Trust

Insurance policies exist to ensure that individuals are able to gain compensation when an emergency or unforeseen circumstance occurs. When you encounter trouble with your insurance carrier, you may wish to consider hiring an insurance defense lawyer.

Hire An Insurance Defense Lawyer

When your insurance carrier gives you a difficult experienced, it is best that you rely on trustworthy insurance defense lawyers at the Law Offices of Michael B. Brehne, P.A. for strong representation and support. We understand that insurance companies are major investments for protection of our health, property and security. No matter what type of insurance policy you may have, our insurance defense attorneys can represent you.

Common Reasons for Denied Insurance Claims

Although insurance companies often make purposeful attempts to deny claims in order to ensure that the company makes profit, there are many times in which the reasons for denial of insurance claims are legitimate. In fact, the most common reasons for denial of insurance claims often stem from careless errors made by clients who file claims. An insurance lawyer can help you identify the common reasons for denial in order to ensure that your claim is approved and successful.

Consider the following common reasons for insurance claim denial.

Misunderstanding of Contracts

As a client, you are placed into a partnership with your insurance carrier as soon as you sign and agree to a legally binding contract. The contract outlines the terms and conditions of the relationship, as well as the duties and expectations of each party. It is vital that clients understand their contract before signing with an insurance company and especially before filing an insurance claim. Contracts are specific and detailed. They typically provide general rules and protocol for handling every possible problem that may occur and how the insurance works. Failure to understand the contract can lead to misunderstandings of what a client thinks he/she is owed, thus leading to issues in the overall claim.

Before agreeing to a contract, or before beginning an insurance claim, it is best to allow an insurance attorney to review the contract with you. Most contracts are filled with provisional clauses, legalise and large numerals. An insurance defense lawyer can help you understand what these special digits and clauses mean for you and your claim.

Failure to Adhere to Deadlines

Insurance companies tend to operate under strict deadlines. They serve a lot of clients, receive numerous request and must give out large packages of funds to compensate for their clients’ losses. As such, they enforce systems to make the overall process efficient and less costly. No matter what type of insurance that you may have, there are specific timeframes that you must follow when drafting and/or submitting an insurance claim for compensation. Failure to adhere to deadlines and other instructions will result in an outright rejection of your claim. An insurance law firm can help you keep track of deadlines and ensure that you meet demands.

Poor Submission of Evidence

Insurance providers receive many requests and they must ensure that such claims are legitimate and worthy. The best way to present a favorable claim is to support it with compelling evidence. Clients should include financial records, medical examinations, proof of loss of wages, photographs, statements from witnesses and experts, and detailed accounts of the events in order to prove that their claim deserves to be approved. An insurance defense attorney can assist with locating and gathering such important documents to support your claim.

Steps to Take When a Claim Is Denied

If your insurance claim is denied, there are specific steps that you can take to achieve a favorable outcome. As a client, you have the right to appeal the decision of your insurance carrier. Ask for a copy of your insurance plan and have an insurance lawyer review the contract with you to ensure that you have full comprehension of your coverage. Begin seeking supportive documents and evidence to support your appeal. It is best to review the original claim with an insurance defense lawyer to identify any and all errors that may have caused the denial in the first place. Before submitting your appeal, allow an insurance lawyer to go over your claim with you. Insurance dispute attorneys are familiar with the policies and tactics of insurance companies and can ensure that you achieve the results that you need.

Insurance Defense Attorneys

At the Law Offices of Michael B. Brehne, P.A., you can trust that our insurance defense attorneys will advise, guide and represent you throughout all sorts of insurance claim disputes and help you receive compensation for your losses. As an added bonus, we offer free initial consultations for insurance and injury cases. Contact our insurance law firm today.