Typically when an insurance claim is rejected, there are a few options that the injured party has. The most common route to take is to figure out what caused the rejection and change your claim so that those responsible can still be held liable for the injuries. Once you find out that your claim was rejected, take the proper steps to find out why and decide what route to take from there.
Common Reasons for Insurance Claim Rejections
There are a few common reasons that an insurance claim may be rejected, and here are some of them:
- Someone decides that the insurance does not cover the injury
- There was no insurance coverage at the time of the injury
- The person who filed the claim is not eligible for damages or compensation
- The person filing the claim was deemed to be at fault for the injury
While these are not all of the reasons that an insurance claim may be rejected, these are not all of them. If you find out your claim was rejected, take the time to request a formal letter explaining the rejection from the insurance company. This will explain the reasons behind the rejection, and may even tell you some of the options you have.
Next Steps After an Insurance Claim Rejection
Once you find out the reason for the rejection, you have to decide what to do next. Most people either change around their claim to make sure the person responsible is the one named, or they refile the claim to the appropriate insurance company. This is because most rejections come from either a filing against the wrong party or the wrong insurance company. Once this change is made, many claims go on to the court as they were originally designed to do. Otherwise, the injured party has to decide if continuing on with the claim is worth the time, expense, and effort. Contacting a lawyer at this point, if one has not been involved up until this point, is also an option. He or she can tell you what rights you have and help you understand the rejection in simpler terms. From there, you can figure out the best way to get the compensation you may be owed, so you can start to put your life back together.