After you're involved in an accident that occurred due to someone else's negligence, it only makes sense that the insurance company will approve your claim, right? Not so fast. Denied claims are all too common and for individuals floundering in medical bills, the lack of financial compensation can be a serious setback.
If your claim has been denied, you're not alone and you can take action. Despite what the insurance companies may lead you to believe, you do have a chance to reapply in order to change the outcome of your claim. By the time you've finished reading, the future of your claim, and your finances, may be looking a little bit brighter.
Four Key Steps to Take After a Claim Denial
Find out why the insurance company denied your claim.
Surprisingly, most people forget that it's possible to find out the reason behind your denial. The hospital you were treated at is a good place to go with your questions, or take them straight to the insurance company. Claims may be denied due to incorrect insurance information, diagnosis errors, or a lack of sufficient medical necessity.
Get a team on your side.
Let's face it – insurance companies can be intimidating no matter who you are. Without a team of advocates on your side, you may be tempted to back down when times get tough. Doctors have a lot of pull when it comes to getting your claim approved and most hospitals offer up social workers to their patients. A personal injury attorney can also be extremely helpful as a go-between with the insurance agency.
Don't stop reapplying.
Just like playing the lottery, the more times you apply, the better your odds. Reapplying gives you the chance to tweak your application, add more evidence, and fix possible errors. Don't stop reapplying until the insurance company pays out.
Insurance companies are much more easily swayed when presented with physical proof. Things like medical records, physician-administered tests, and bills are all invaluable assets as you fight the outcome of your claim.
Whatever the reasons for your claim denial, our team is prepared to investigate your case and pursue an outcome that works in your favor. Contact a Modesto personal injury lawyer to learn more about how we can help you!