If the insurance company is low-balling you or has denied your claim altogether, don’t give up. There may be legal options available to get around complex reasons for claim denial or low offer. Additionally, sometimes claim denials or low offers are more sinister; when the insurance company operates in bad faith, they are breaking the law. A Miami insurance lawyer can identify bad faith practices and protect your rights.
The first step is to take a look at your denial letter. Was your claim denied for a legitimate reason, such as a mistake on your form or because of a lack of documentation? The reason for the denial can help you determine whether the insurance company’s decision was a mistake, a misunderstanding, legitimate, or made under bad faith.
Once you’re aware of the reason for the denial, an insurance lawyer can help you submit an appeal. Your lawyer will guide and advise you on collecting the documentation and evidence needed to appeal the decision. These items may include medical records, doctor’s notes, photographs of the accident scene, witness statements, medical bills, prescription costs, auto repair expenses, expert witness statements, accident reconstruction, traffic data, and more.
Insurance companies may employ a variety of tricks to reduce or eliminate your accident settlement. Be wary of this throughout the insurance claims process. An insurer is obligated by law to practice in good faith, abiding by the terms in your policy and meeting all responsibilities to you. Some signs an insurance company may be practicing in bad faith are:
- Huge delays in the investigation of your insurance claim
- Inadequate investigation of your insurance claim
- Lowball settlement offers
- Insurance claim denials
- Taking an enormous amount of time to approve your claim
The provider may refuse to pay your rightful claim an effort to save themselves money. If any of these things happen, consult an insurance lawyer in Florida right away.