If you are paying an insurance company, you may assume that when you file a claim that is true, everything will turn out in your favor. Though many insurance claims go through properly, there are some good claims that may not go through. Some insurance claims are denied due to outdated information and issues on behalf of the insurance company. If you have a claim that has been denied and you believe that it may be due to outdated information, you may need to hire an insurance claim denial attorney, like one from Bidegaray Law Firm LLP, to help with this issue. Here are some ways that you and your lawyer can fight an insurance company on a claim held up due to outdated information.
Find out the official denial reason
Before you fight an insurance company on a claim, you will need to find out the true reason for the denial. This is the only way to discover that there is an issue with your insurance claim. Be careful not to utilize information that you get over the phone as the official reason. Ask for an official letter of denial of a claim if you have not received one. This will be sure that the reason your claim was not accepted was official and put on paper.
Look over your insurance documents
Along with an insurance denial lawyer, comb through your insurance documents to find out if the reason for the denial of your claim is legitimate. Through the documentation that you signed for your insurance company, you may find that the company is not following proper procedure for insurance claims. You may also find out that the insurance company has not filled your claim due to outdated rules that they have recently updated with changes to your insurance plan. Tracing back the paperwork to find the insurance company's mistake can make it easier for you to get your claim to go through.
Determine if the insurance company has inaccurate current information
If you have been with your insurance company for a long time, it is possible that the insurance company is operating off old information or paperwork for you. For instance, if a claim was not filled through your car insurance company when a spouse wrecked a vehicle, they may be operating off of paperwork filled out for car insurance when you were single. In this case, they may deny a claim by saying that the person was not supposed to be a driver of your vehicle. If you have updated information since then and the insurance company made a mistake, you can fight this claim with your lawyer on the terms that the insurance company is operating on past information and not the proper information for the claim.