Bad Faith Insurance Claims

Bad Faith Insurance Claims Lawyer Philadelphia

Frequently Asked Questions

What Are My Rights?

Knowing your rights for insurance purposes is important. The best place to start is your insurance policy. Try to keep an updated copy of your policy in your personal records for quick access when something happens. With bad faith insurance companies, this is not enough, but it is a start. Reading your policy and understanding it will help reduce the chances that your claim will be denied. It will reduce the chance that you will apply for benefits that you are not entitled to.

If your insurance company denies the claim, they must tell you why. If the insurance company does not provide a reason for the denial, then call an insurance lawyer to discuss it. It might only be a small mistake, which caused the denial or a more serious issue that requires swift action.

What Do I Do About It?

All insurance companies are set up differently. Generally, you will file your initial claim either online or on the phone. It may be a good idea to talk to someone on the phone if the situation is complicated. You will be able to talk to a live person, write down their names, and write down exactly what they said just in case you rely on their bad advice to your detriment. After the initial claim is processed, your insurance company will send you a letter, either denying or approving your claim. If your claim is denied, there are certain things to do in order to be in the best situation for an appeal.

    • First, keep records of everything. The more e-mails, letters, or forms you keep on file, the better. If you have everything organized, it will be easier to appeal to navigate through the insurance process. Keep a log of when you called your insurance company.
    • A phone call to an insurance company representative may be all it takes to fix the situation. As annoying as it may seem, it may only be a small error, which caused the claim to be denied. If you cannot check your paperwork online, call the representative to verify that all your basic demographic information is correct.
    • Do not agree to anything that you are unsure or uncomfortable with. If your insurance is fighting you, they may send an insurance adjustor or representative to talk to you. Their job is to reach a settlement. Do not settle for an amount that will not cover all your expenses or damages, especially if your policy states that you are covered.

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