Signs that Adjusters Have Wrongfully denied Claims

Insurers have been known to deny claims for dishonest reasons. You and your Decatur personal injury lawyer should look for signs on the denial letter that signify wrongful denial.

Games insurers play in wrongfully denying claims

Unfortunately, policyholders and claimants sometimes do not recover from insurers as they gullibly accept that the insurers made the right decision and fail to raise questions or objections. In fact, many insurance adjusters suspect claims to be frivolous and will actively engage in questionable tactics in adjusting claims.

Apparent signs an insurer’s denial letter is inappropriate

There are a number of telling signs from an insurer’s denial letter that signal an unjustified denial. Your Decatur personal injury lawyer will look for these key signs of erroneously denied claims:

  • The insurer doesn’t mention specific insurance policy provisions in the denial letter.
  • The insurer refers to statements that are supposedly a part of its policy to bolster its denial of coverage, but the quoted policy language cannot be found.
  • The insurer refuses or does not provide the policy holder with copies of the policies under which it is denying coverage.
  • The insurer makes no mention of the facts pertaining to the claim in its coverage denial letter. This often means that the insurer denied your claims even before investigating of your claim.
  • In the denial letter, the insurer highlights policy exclusions or conditions that have nothing to do with the claim.
  • The insurer tries to reserve its rights to use additional policy defenses following the denial of coverage.
  • Even as it is denying your claim, the insurer requests additional details regarding the claim. YourDecaturpersonal injury lawyer will recognize this as an indication that the insurer plans to use the additional information against you later.
  • The insurer declines to meet with the policyholder before denying the claim, but makes sure to include “form letter” requests for information in the file that are either immaterial or needless.
  • Along with denying coverage, the insurer also tries to retroactively withdraw coverage and argue the policyholder lied on his or her application for insurance.

If you were injured by wrongful actions of others, you need a qualified Decatur personal injury lawyer to win your personal injury case. Call the law offices of McCarthy Rowden & Baker at 1-800-373-6050 to find out what their qualified Decatur personal injury lawyers can do for you. The initial consultation is free.