If your claim has been denied by the insurance company, it makes it difficult to pay economic and physical damage out of your own pocket. When this happens, the policy holder will need to find a lawyer to represent them and file a claim.
The Denial of the Claim
When the insurance company of the individual that caused the accident is presented with a claim and they deny it, this doesn’t mean that it’s over. It’s time that you appeal the denial. You need a lawyer that will look over the paperwork and help you to find any missing information or find out what may be incorrect. The carrier of the insurance may not be able to verify employment or may have been responsible by not doing their job correctly. When things like this happen, even though they are accidental, you still need to seek compensation for your injury or the damage done.
Bad Faith by the Insurance Company
There are some instances that the insurance company will deny a claim when a claim is valid. Many times, this occurs simply due to miscommunication. In some cases, the claim will be denied even though all documentation was included and every detail given. When a claim is denied, the lawyer representing you can request a reason for denial of your claim.
A demand letter is a document that will contain a variety of provisions in what you are seeking. When you submit a demand letter, you should also include the paperwork needed to verify your requests. If the company denies the claim, the letter is then used in litigation against the insurance company. The lawyer can ensure that all language in the letter is appropriate and accurate and help to resubmit the demand letter again. Many times, the information is incorrect and that is why it is denied.
Intimidation of the Lawyer
The injury lawyer in Calgary representing you may contact the insurance company with intimidating tactics to ensure that the company is listening to you. The lawyer you hire can communicate the details and further explain your reason for the demand letter. It is possible that the lawyer can then negotiate with the insurance company and come up with a settlement you want and need. When you receive your denial letter, you should take the letter and all proof that you have and find a lawyer to represent you.
Negotiation a Settlement
In most cases, the insurance carrier will want to avoid going to court because this can cost more than what you are asking. If the settlement could provide the policy holder with a large amount of money, the insurance company will want to delay court to intimidate the plaintiff and attempt to settle the matter out of court. The lawyer will be able to speak to the insurance company and further negotiate a better deal for all involved. If not, then court may be the second option.
It really doesn’t matter what type of accident that you were involved in or what type of damage was done, the policy holder will want to settle in most cases out of court because it costs less to do it this way, it takes less time and energy too. If necessary, a lawyer will use the evidence of the claim as well as all necessary paperwork to assist in winning the case.