If you’ve been in an accident in the New Orleans area and are getting the run-around by insurance companies, possibly even denying your claim, here are some reasons why.
When it comes to an insurance claim, an insurance company is looking to make money, not pay out continually. Like any business, an insurance company depends on obtaining more money than they give out. Because of this, an insurance adjuster will be instructed to be particular about which claims are honored when filed by customers. An insurance company is legally obligated to act in good faith towards their customers. This means that any claim has to be acknowledged and an investigation started within 15 days of the claim being made. On the 15th day, you must be given a notification of acceptance or rejection. At Cueria Law Firm, we are prepared to help you fight unjustly rejected claims. A rejected claim must come with an explanation by the insurance company. You may have the right to an appeal and we can help if you feel that you were denied for invalid reasons!
There are many reasons that can be used by an insurance company to deny a claim in a legal fashion. If your claim was rejected based on particular reasoning, then you may be able to file an appeal. If you feel the insurance company was unjust in their decision making, then you can contact our attorneys for assistance. We will take a look at your injuries and review the situation to determine the next course of action.
A Late Filed Claim
If you did not file your claim on time, then you may see your claim rejected. It is best to file your insurance claim as quickly as possible after an accident or incident occurs. There are time limits based on the type of claim you are filing. A worker’s compensation claim time frame would be different than an auto insurance claim time frame. You can always contact your insurance company to find out how long you have to file your claim.
Your Insurance Claim is Not Valid
Perhaps your insurance adjuster thought that the claim was not valid, and they are not going to fulfill your policy. Let’s say you are trying to file a worker’s compensation claim due to an accident at work. You claim may be denied by the adjuster if the injuries sustained did not take place based on the duties you are supposed to fulfill in your position of employment. People have been denied support in the past due to an insurance company believing the injuries were caused due to an incident that occurred earlier and is not due to the accident being claimed.
Monthly Premiums are Not Paid
Whenever you are covered by insurance, the premiums must be paid. Adjusters will quickly deny your claim if they do not have a payment on file for your insurance plan. Receipts and transactions of your payments should be kept on record by the client so that you can easily prove that you did make payment for your policy.
If you feel that you have been denied an insurance claim due to unjust circumstances, Cueria Law Firm can help. Contact our office today to set up a consultation with our attorneys so we can begin to work on your case.