Receiving a notice of a claim denial from an insurance company is never ideal. Often, people feel like there is nothing else for them to do in this situation. However, it's important to know that you may have options to appeal a denied insurance claim. Here is what you need to know.
Steps to Take When Appealing a Denied Insurance Claim
1. Know Why Your Claim Was Denied
The notice from the insurance company should contain a written reason for denial. Once you know why your claim was denied, it's easier to know how to manage your appeal. If no reason was given, this may indicate that the provider is acting in bad faith, and you may be able to pursue further legal action.
2. Gather Necessary Documentation
Before appealing a denied insurance claim, you should gather any documents related to the claim and include them with your appeal. This may include medical records, evidence of damage from an accident or other pertinent information. Having all this available can help make your case more compelling.
3. Draft Your Appeal
Once you have all your documents together, it’s important to draft a formal appeal letter. Include the reason for your denial and explain why you believe the insurance company should reconsider your claim. Make sure to include any applicable evidence or documentation that can help support your case.
4. Submit Your Appeal
When you are finished drafting your appeal, you must submit it to the insurance company. It is important to provide contact information in the letter so that they can reach out to you if they have any questions or need more information.
How an Attorney Can Help
In some cases, it may be beneficial to work with an experienced attorney when appealing a denied insurance claim. An attorney can help you navigate the appeals process and ensure your claim is being thoughtfully considered. An experienced attorney will understand the necessary steps to take and the relevant evidence needed to strengthen your appeal. Additionally, they may be able to negotiate with insurance companies on your behalf in order to secure a more favorable outcome.
Our team at Canan Law has extensive experience taking on insurance companies that unfairly deny or devalue our clients' insurance claims. When you need assistance in this process, we can help ensure you receive the compensation you are entitled to. Schedule a free consultation by calling (904) 849-2266.