Streetsmart insurance Blog
As a policyholder, it’s normal to assume that you can use your insurance anytime in any situation. However, there are times when your insurance claim can be denied. This situation can be frustrating and time consuming at the same time. If you find yourself in this kind of situation, you might feel like the whole world is against you. Feel empowered with these nine tips on how you might win your insurance claim.
1. Insist a review of the case
Ask for a complete explanation as to why your insurance claim is rejected. It is better to have it written so it’ll be easier to compare it with the details of your policy.
2. Check Your Policy
Now that you have a written explanation as to why your policy was denied, check your policy. Review if their denial is reasonable with the conditions of your policy. Though sometimes, denials happen because of misinterpretation of the policy. It might be reconsidered if you explain as to why you think your claim is valid.
3. Get an Agent
An agent can represent you in the claim so you won’t have to deal with it personally. They may help you increase your claim or help if you’ve already made and lost a claim. They’re usually familiar with the claims and insurer talk and can be the best person to help you. But be mindful on signing “no win no fee” arrangements. It may sound promising but you might find your winning claim just enough for your agent’s costs if you’re not careful.
4. Don’t Accept Claims Process Errors
A claim filing error shouldn’t be a reason for your claim to be denied unless the error harmed the company. As long as your claim is valid, your claim shouldn’t be refused.
5. No is not final
People don’t usually question the decision as to why their claims is denied. If you are sure that your claim is valid, fight for it. Most claimants who do fight back end up having a denial reversed or better yet, a greater settlement.
6. Call the Authorities
Check what rights you have by calling the legal authority that manages insurance in your area.
7. Ask Your Agent for Advice
It doesn’t really sound like a good idea but they still might be able to help or introduce you to the right people to talk to for your case.
8. Persistence is key
Keep calling while being polite. If you keep a record of your phone calls with the date, time, and names of the people you talked to, chances are, they would end up putting you as priority.
9. Contact a Lawyer
If you have done your best and is still not being treated fairly, it’s time to hire a lawyer.
Getting insurance claims paid can end up being a hassle even if you paid good money for its benefits. Make sure to make business with only the best. At Streetsmart Insurance, we take pride in making sure that our clients are well-protected at prices they can afford. To learn more about how we can help you, please contact our agency at (732) 462-8343 or Click Here to request a free quote.