Are you aware what to do in case your non-public incapacity declare has been denied? How are you going to battle a California non-public incapacity insurance coverage declare denial? Are there variations in California that you have to be conscious of?
Going through a incapacity could be an especially scary and emotional time. It’s possible you’ll not know what the long run holds, when it is possible for you to to return to work and resume your regular life-style. And for many individuals, incapacity comes with the uncertainty of revenue to have the ability to pay payments and assist your loved ones. That’s exactly why folks buy incapacity insurance coverage. However what occurs once you obtain a non-public incapacity insurance coverage declare denial? Are you aware the place to show, what steps to take, or sources you’ll have to put collectively to battle the denial?
In California there are particular legislated provisions that have been put in place to make sure policyholder rights. Beneath many circumstances, insured events are in a position to convey a nasty religion declare in opposition to their insurance coverage firm if their incapacity declare is wrongfully denied.
Whereas this doesn’t imply each denied declare will lead to a profitable lawsuit, it does imply it’s value investigating. Keep in mind, insurance coverage firms usually are not in your aspect. As non-public firms they make extra revenue each time they deny a declare.
Denying a legitimate declare is named a nasty religion denial. Insurance coverage firms could also be performing in unhealthy religion in the event that they
- fail to correctly reply to your declare;
- fail to totally examine your declare; or
- depend on deceptive or inconsistent reviews.
Whereas it may be tough to show these actions, or inaction, by the insurance coverage firm, we’re dedicated to holding the insurance coverage firms accountable. If you’re going through a incapacity insurance coverage denial, you’ll need a group of attorneys in your aspect who’re skilled on this area of interest space of legislation. We have now the expertise and are obsessed with dealing with all these instances. Our shoppers, such as you, paid insurance coverage premiums to guard themselves in opposition to this case and we received’t let the insurance coverage firm put their backside line earlier than your pursuits.
Relying on the character of the denial, there’ll doubtless be info that have to be investigated and introduced to make your case. Being denied an insurance coverage declare could be jarring, emotional and admittedly, simply scary. It’s essential to have the entire info and to convey these to your legal professional – typically a seemingly innocuous element might make a distinction in your case.
Sadly, these disputes can and do occur and they are often lengthy, expensive disputes that deprive you of the insurance coverage you want and deserve. We work with our shoppers to realize a quick, profitable decision. Typically we’re in a position to try this via negotiations and different occasions it might imply litigation. No matter course we take, we deal with the priorities of our shoppers and guaranteeing they perceive every step of the method.
We’re right here to assist information you thru the method to acquire the cash that you just deserve – the cash you want. Are you going through a non-public incapacity insurance coverage declare denial or dispute, or anticipate a dispute within the close to future? Give us a name at the moment in your session.