Most individuals rely on insurance providers to have their back in times of need, whether it is during an environmental disaster or car accident. Insurance companies can help a person make car and home repairs, as well as cover the costs of damages you have caused in an accident.
In most states some type of insurance is required for driving a vehicle, owning a home, and employing workers. Failing to comply with the state’s requirements could result in serious consequences. Although insurance companies are supposed to work for you there are times when they work against you.
If you have ever filed a claim, and been denied, it is likely you have questioned where you went wrong and why you were denied. Sometimes an individual may even choose to dispute with the company in order to receive the compensation they believe they deserve.
Having an experienced and trusted personal injury attorney by your side can help you fight for the MAXIMUM amount of compensation you deserve for your accident injuries, property damage, lost wages and more.
Common Insurance Disputes
When a person signs up for insurance they have essentially signed into a contract that establishes a duty of care by the insurer. The insured individual expects their property and/or person to be covered in cause of an accident.
For this reason there are many types of insurance a person can buy and thus dispute:
- Homeowner’s Insurance (Fire Damage, Hurricane Damage, etc.)
- Bodily Injury Liability
- Medical Insurance Coverage
- Comprehensive Vehicle Coverage
- Property Insurance/Liability
- Personal Insurance Protection (PIP)
- Worker’s Compensation
- Life Insurance
An individual may also find themselves in a dispute not with their own insurer, but with the person or party who was responsible for the property damage and personal injuries.
Why Was My Claim Denied?
Being denied a claim can make a person feel helpless, particularly because these insurance companies are often multi-million dollar businesses. Having an experience insurance dispute attorney on your side can help you fight for the MAXIMUM amount of compensation you deserve, even if your initial claim was denied.
There are a few reasons why a claim may be denied, including:
- Lapse of Coverage
- Injury is Outside of Scope of Coverage
- Claim Was Filed Passed Statute of Limitations
Medical insurance claims may be denied for multiple reasons such as a patient failing to obtain a referral or personal information was mixed up.
While some claims may be denied for reasons that may not be disputable, it is important to appeal your insurance claim if you believe you are being denied the coverage you deserve and have paid for.
What is A Bad Faith Claim?
Insurance bad faith may be defined as a common law jurisdiction that an insured person may have against and insurance company. The law dictates that insurance companies owe insurers the duty of good faith and fair dealings to those they insure. When an insurer is wrongfully denied by their insurance company it may be considered bad faith.
Bad faith may include:
- Failing to properly investigate the claim
- Inadequate processing
- Delay in payment
- Failure to defend insured in a suit by another injured party
- Unreasonable denial of payment
A bad faith claim may also be considered an “unfair” claim or breach of contract. In 1945 the North Carolina legislature passed the Unfair Trade Practices which helps protect the rights of the insured under North Carolina law. It is important that all persons who have an insurance policy know that they do not have to accept the initial denial their insurer gives them.
Contact our Greensboro Insurance Dispute Attorneys Today
If you or a loved one is the midst of disputing with an insurance company on a dispute they wrongfully denied, our attorneys can help guide you through the entire process. With more than 150 years of combined legal experience, the lawyers at Lewis & Keller are knowledgeable in insurance law and representing those who have been wrongfully denied a claim.
We have two offices located in Greensboro and Winston-Salem, North Carolina and we proudly serve the following areas:
- High Points
- Oak Ridge
…and many more local towns and cities. If you think you are being treated unfairly by an insurance company, contact us today at 1-866-299-1769 for a free, no-obligation case consultation. One of our intake staff members will connect you with one of our lawyers best suited to handling your claim after a few initial questions.
If you would prefer to contact us online, fill out the ‘FREE CASE REVIEW’ form located at the top right hand corner of this page – your information will remain strictly confidential.