When you file an insurance claim, the last thing you expect is to have it be denied. Unfortunately, this happens more often than most people think, and can throw your life into disarray. In most cases, insurance claims run into many thousands of dollars. Thus, when a claim is denied, victims are left wondering what to do next. To make sure this does not happen to you, here are five common mistakes that cause insurance claim denial, and how you can avoid them.
When filing a claim, make sure the information provided is correct. For example, if filing an accident claim and your story differs from information contained in medical records and from accounts others give of the accident, the insurance company will likely reject your claim.
Missing a Deadline
Like any legal action, there are deadlines that must be met to file an insurance claim. Therefore, make sure you find out the deadline well ahead of time, since this will ensure you submit your claim with time to spare.
Accident Not Covered
Common when filing claims involving damage to a home, many people find out too late their policy does not cover everything. This occurs frequently when homes get flooded, prompting homeowners to file a claim, only to discover flood damage is not covered under most polices. Thus, before filing your claim, carefully review your policy. If you have any questions, have an attorney review it as well.
When filing a medical claim, an insurance company will often try to deny by saying you failed to secure a pre-authorization prior to receiving treatment. This can occur in numerous ways, such as:
–Visiting a specialist before seeing your primary care physician
–Primary care physician fails to obtain a pre-authorization number
–Receiving medical tests such as MRI prior to visiting primary care physician
Since health insurance plans can be very strict and contain confusing language, consult an attorney in these situations.
Claim is Too Vague
When filing a claim, always be as specific as possible about the circumstances of your accident. If you leave out too many details, you make it very easy for the insurance company to deny your claim.
Whenever you have an insurance claim denied, don’t let that stop you. Instead, consult an attorney experienced in handling these matters. By doing so, you may find your claim suddenly getting approved at a later date.