If my insurance company denies my claim, do I have any rights?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Dec 16, 2019

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Absolutely yes. If an insurance company fails or refuses to honor its contract and pay a valid claim, you have the right to bring a civil action for damages against that insurance company. In addition to suing for a “breach of contract”, you might be able to bring a tort claim seeking damages based upon the insurer’s bad faith handling of the claim.

The amount you can recover varies based on the type of claim you bring and the jurisdiction in why you are pursuing your claim, but the good news is that you do have rights and can vindicate them.  In some cases there may be important deadlines or you may even have to arbitrate your claim, so be sure to talk to a lawyer about your rights as soon as possible.

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