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Miami Gardens Insurance Law

My insurance claim was denied-- now what?

If you have ever reviewed your insurance policy, you're probably aware that involves a lot of legal language that is difficult to understand. Insurance companies will sometimes interpret the language in a way that allows them to deny claims or minimize claims in order to increase profits. Insurance providers, after all, are a business and they owe allegiance to profits and to their shareholders. When a claim is not paid out, insurance companies make more money. If you have a legitimate claim, however, you deserve to get the insurance coverage that you have been paying for.

If you would like some help with your insurance claim in Miami Gardens, contact the Flaxman Law Group to review your case in a no-cost, no obligation consultation. The attorneys at the Flaxman Law Group have experience handling insurance cases and can negotiate with your insurance company or launch a legal claim against the company if you qualify.

Is My Insurance Company in the Wrong?

Insurance companies are faced with fraud every day. Florida, especially, leads the nation in terms of insurance fraud. While some people may be submitting fraudulent claims in order to get insurance money, however, if you have a legitimate injury or damages you deserve to have compensation.

If you are legitimate policyholder with a real claim, you should not have to worry that your insurance company will accuse you of fraud if you have really been in a car accident in Miami Gardens or have faced other damages. Unfortunately, if this happens or if your claim is denied, getting answers can be difficult. Working with a personal injury attorney is an important first step to ensuring that you get answers and the fair compensation that you've been paying for through your policy.

Why Was My Insurance Claim Denied?

There are many reasons why an insurance claim is denied or undervalued:

  • There may be a misrepresentation in the policy
  • The insurance company may claim that there was no coverage for the particular claim
  • The coverage may have been lapsed due to nonpayment
  • The injury is not covered by the insurance
  • The insurance company may claim that there was a pre-existing condition (in the case of medical insurance)
  • The insurance company may allege that the claim is not valid or is a form of fraud
  • The insurance company may allege that the claim costs less than the victim is claiming

If you have been paying insurance premiums and then submit a claim to your insurance company after suffering an accident or injury, you of course expect your company will honor the validity of the claim and will act in good faith and honor in reimbursing you your insurance money. Unfortunately, disputes can happen if your claim is undervalued or denied. In many cases, this happens with no real reason from the insurance company and can be very frustrating to resolve. Your best option is to contact a personal injury attorney in Miami Gardens or an insurance law attorney. You can do so by contacting the Flaxman Law Group for a free consultation to discuss what can be done in your situation.