What Should I Do If My Insurance Company Denies My Claim? 

 December 15, 2014

By  LMW Attorneys

After an accident, many individuals rely on their insurance to help cover medical bills and to help compensate for wages lost due to missed time at work. With serious injuries, many families are unable to get by without the aid of insurance. This makes a denied insurance claim catastrophic. If your insurance company has denied your claim, it is not the end of the road. Learn what your options are when your insurance company refuses to pay.

After Your Claim Has Been Denied

The first thing you will want to do after your claim has been denied is to hire an attorney. There are two reasons why your claim may have been denied:

  • The insurance company believes your claim has no merit
  • The insurance company hopes you will give up so they do not have to pay you

It is not uncommon for insurance companies to attempt to deny your claim simply because they are looking out for their own financial interest. If this is the case, then simply hiring an attorney can help force the insurance company to pay out. Once your lawyer has contacted your insurance company regarding your claim, you will be much more likely to receive your money. However, if they still deny your claim, then you may want to speak with your attorney about taking the insurance company to court.

Personal Injury Lawsuit

Sometimes, it is not worth taking the insurance company to court. While you may have been legitimately injured in the accident, you might not be covered. This is why it may be a good idea to consider filing a personal injury lawsuit against the person or persons responsible for your accident. For example, if you slipped and fell in the supermarket, the owners of the store may be responsible for the cost of your injuries. The best way to better your chances of receiving the financial compensation you deserve is by contacting an attorney as soon as you have received medical attention for your injury.

Attorney Fees

In Florida, if you have to sue your own insurance company to get the benefits you deserve, the insurance company will have to pay your attorney fees and costs if you win your claim. Most attorneys will take these cases on a contingency fee basis, meaning you will never personally be responsible for paying for your own attorney.

If you or someone you loved has been injured in an accident, contact LMW at once. We will fight for you to receive the compensation you deserve. After all, why should you be left dealing with the medical expenses, lost wages, and emotional distress caused by another’s negligent behavior? Call LMW today for a free consultation.