Can an Insurance Company Deny My Claim?
Get Legal Help Today
Secured with SHA-256 Encryption
|
Written by
Jeffrey Johnson
|
UPDATED: Jan 24, 2012
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Yes, depending on your policy, an insurance company can deny your claim. Any denial of a claim must be made on a “reasonable basis.” This means that an insurance company must properly investigate the claim and fairly consider the facts revealed by that investigation. But insurance companies do not have to pay every claim. If a claim is debatable or questionable, the company can deny the claim.
However, if an insurance company denies your claim and you believe the claim was denied in bad faith, you should contact an experienced bad-faith attorney to evaluate your case. An insurance company should not look for ways to deny your claim. The insurance company should look for ways to pay your claim. Do not accept the first denial; always ask for a written denial letter listing reasons for the denial.