After a bad fire, injury, or other incident, you might find yourself fighting with your insurance company. It might try to deny your claim, even when you clearly have coverage. Many insurers deny claims to avoid making payment and often do so in bad faith. Others may need clarification about your claim or you need help handling the complex paperwork necessary to win compensation.

At the Saxton Law Firm, our insurance dispute attorneys know how to help. We help individuals and small businesses work through insurance disputes. Our skilled Kansas City, MO insurance litigation attorneys know the challenges you face and strategies that can help.

insurance claim denied

Can I Argue With My Insurance Company?

You can argue with your insurance company and even get the company to change its decision in many situations. This can be challenging to do on your own, but is much more likely with the help of an experienced insurance litigator. Insurance companies attempt to avoid payment to save on their costs and increase profit margins. Many do so with little to no regard for what you are going through after an incident.

Your insurance company may deny your claim for several different reasons. Common reasons they give include, but are not limited to:

  • You failed to provide the proper paperwork
  • You did not timely file your claim
  • They need more paperwork or evidence to justify your claim
  • They claim you lied or withheld information related to your insurance claim
  • The company delays its investigation of your claim

You are not necessarily stuck with the insurance company’s initial determination. You have several ways to fight back, including potential appeals or civil litigation to enforce your legal rights.

Ways To Argue With Your Insurance Company’s Claim Denial

A claim denial is one of the most frustrating things you can experience. You have just dealt with a significant property loss or injury, and now the insurance company you have paid for years wants to avoid paying the claim. An insurance dispute attorney in Missouri can help you fight back in several ways:

Negotiating With Your Insurer

 The first way you can handle your claim denial is negotiating with your insurance company. Insurance adjusters and employees are trained on how to avoid payment and even manipulate your answers to questions to avoid paying a claim. An attorney can negotiate with the insurance company to show them you are serious and protect your rights along the way.

File a Claim Denial Appeal

 The second way is to file an appeal within your insurance company’s policies. Many companies have an appeals process when they deny your claim you can utilize with the help of your attorney. Many insurers correct prior mistakes or wrongful denials through this process.

Civil Litigation

When necessary, you can file a civil lawsuit against your insurance company. You can often claim breach of contract, vexatious refusal to pay, or even a bad faith insurance claim to enforce your rights. Proving damages in a civil lawsuit can be complex and is best handled with qualified legal counsel by your side.

File an Insurance Complaint

 You can also file a complaint with the Missouri Department of Insurance against your insurer under the proper circumstances. 

These and other methods could help you turn things around. Remember, just because an insurance company denies your claim does not mean you are without options. You have legal rights that the right attorney will help you pursue. Let our experienced team of insurance litigators get to work for you.

READ MORE: What Happens If Insurance Doesn’t Want to Settle?

Contact Saxton Law Firm Today

Insurance companies are famous for denying valid claims. You do not have to be another victim of these tactics. Whether you are an individual or own a small business, we can help you fight back. Our attorneys can seek the insurance benefits to which you are entitled. Contact Saxton Law Firm for a FREE case review!