Sometimes an insurance company refuses to honor an injury claim. In other words, it does not pay the claimant any compensation for the reported damages.
Fortunately, the affected claimant could work to have the denial overturned.
Claimants that choose to pursue their chances for overturning a denial should contact a personal injury lawyer in Lethbridge. That attorney would investigate, in order to discover the reason for the company’s action.
Terms in policy specify exclusion of accidents like the one reported, or injuries like those reported. The policyholder had failed to arrange for renewal of the document that served as proof of coverage. If this is the reason for the denial, then the chances for overturning the company’s action have been eliminated. The policyholder has missed a deadline for filing specific documents.
Reasons that might be suggested by the insurance agency
The claimant had a pre-existing condition: This is not a valid reason for refusing to pay a submitted injury claim.
The claimant was partly at-fault: The claimant might be able to get some money, if the accident took place in a state that adhered to the principle of comparative negligence.
The claimant had delayed treatments: This could not be used unless an expert were able to link the delay in receiving treatment and an appreciable increase in the injury’s degree of severity.
Actions that could be taken by a personal injury lawyer
Study client’s policy, in order to make sure that the reported accident, or the injuries was excluded from coverage, according to the policy’s terms. Learn whether or not the missing documents could still be submitted. If the answer was “no,” then the attorney would look for any mention in the policy’s terms about the consequences faced by policyholders that have failed to turn their documents in on time.
If either the adjuster or the insurer was to insist that any of the suggested reasons could be a valid reason, then the lawyer’s next move would probably involve filing the papers for a lawsuit. The lawyer’s client, the denied claimant would have a legitimate reason for suing the insurance company.
All insurance companies have their policyholders sign a contract, after purchasing a specific policy. The policyholders are supposed to adhere to the contract’s terms. By the same token, the company that has issued the policy has promised to abide by those same terms.
That means that the insurance company has promised to cover any reported damages, assuming they were not excluded from mention in the claimant’s purchased policy. A company’s failure to follow through with its promise qualifies as an act of bad faith. A policyholder has the legal right to sue an insurance agency for bad faith.
If you are looking to consult with an expert law service for your unfair claim denial, contact BILAB Personal Injury Lawyer. We are here to help you. Call NOW.