Philadelphia Insurance Claim Denial Lawyer
Pennsylvania Insurance Claim Lawyer Assisting Clients with Denials in Philadelphia
There are many ways in which insurance companies avoid paying claims to Philadelphia residents who have sustained injuries in car accidents and have needed help with medical expenses. As a pamphlet from the U.S. Department of Justice (DOJ) explains, insurance companies often deny claims, delay claims, confuse customers, discriminate against customers based on their credit scores, and otherwise refuse to make payouts. When you have been paying for insurance and need to file a legitimate claim, you should be able to expect that your claim will be paid according to the original terms of your contract.
When insurance companies deny claims in order to save money for themselves, it is important for the insured to fight back against the insurance company. At ConsumerLawPa.com, we are committed to helping Philadelphia residents whose insurance claims have been unfairly denied. A Philadelphia insurance claim denial lawyer at our firm can discuss your options with you for seeking compensation.
Why Do Insurance Companies Deny Claims in Philadelphia?
There are many reasons that insurance companies deny claims. In some situations, the insurance company denies the claim because it actually does not meet the terms of the contract. However, in numerous cases, an injury victim learns that her insurance claim was denied for reasons that seem unfair and potentially fraudulent.
As the DOJ pamphlet emphasizes, many of the largest insurance companies in Pennsylvania and throughout the country have denied valid insurance claims “in an attempt to boost their bottom lines.” Indeed, many insurance companies “have rewarded employees who successfully denied claims, replaced employees who would not, and when all else failed, engaged in outright fraud to avoid paying claims.”
First-Party and Third-Party Insurance Claim Denials
Depending upon the specific facts of your case, you may have filed either a:
- First-party insurance claim (seeking compensation from your insurer); or
- Third-party insurance claim (seeking compensation from the insurance company of the negligent party who caused the accident).
It is important to understand the difference between these types of claims since they often have different requirements for appeal. In the case of a first-party claim, you may need to appeal directly to the insurance company unless there is clear evidence of wrongdoing. Some situations, to be sure, may show evidence of a bad faith claim denial, in which case you may be able to file a lawsuit. For third-party insurance claims that have been denied, you may be able to file a lawsuit immediately against the insurance company. A Philadelphia insurance claim denial lawyer can speak with you about the distinctions and about your options.
What Can You Do About a Claim Denial?
There are many ways to fight an insurance claim denial. The DOJ pamphlet provides a number of important tips, including but not limited to the following:
- Know the terms of your insurance policy and how to file a proper appeal;
- Fill out any and all forms very carefully to ensure that the insurance company cannot use a simple mistake to justify a claim denial;
- Do not cash any premium refunds because the insurance company can argue that your acceptance of the refund constitutes an acceptance of their claim denial;
- Only communicate with the insurance company in writing; and
- Seek advice from an insurance claim denial advocate as soon as possible.
Philadelphia Insurance Claims Lawyers
Just as you’re starting to recover from your car accident, your insurance company calls to inform you that your claim for coverage has been denied. What do you do? Call Louis Schwartz and his team at ConsumerLawPa.com—our Philadelphia insurance claim denial lawyers can help. We will fight hard to get what you deserve!
We are here for you when you have trouble with:
- Disability Insurance;
- Health Insurance;
- Auto Insurance;
- Life Insurance;
- Insurance Benefits; and
- Other Insurance Claims.
We have answers to your questions about your rights as a customer of any major insurance company. If you are wary about signing on with a new insurance company because you don’t understand the fine print or if you aren’t sure why your insurance company denied a recent claim, call us and we can help you better understand your rights. We can also discern whether your appeal options have been exhausted, as well as help you understand whether it’s time to take more aggressive action.
At ConsumerLawPa.com, we work hard to help you understand your consumer rights so that you can make informed decisions. Call for a free consultation today by dialing 215-790-1800.