A simple injury can turn into a life changing experience. When you overlook the seriousness of personal injury, you are likely to miss out on getting a good claim. Even if your claim gets denied, there are plenty of other ways to make things right.
At first, getting denied on an injury claim can seem like a big defeat. Most individuals that get denied have never looked into getting an Idaho personal injury lawyer. This is a vital step in ensuring that your initial personal injury claim gets the attention it deserves. It’s easy to get overwhelmed in the moment that the injury happens. Bad decisions are made, and in some cases, those decisions will cost you the case. This is why the guidance of a personal injury lawyer is considered a mandatory step to smoothing out the entire claim process.
When the first denial happens, take the time to read over it fully. Then refer back to your policy to see if everything checks out. Depending on the seriousness of your condition, taking a breather and coming back to it at a later time may be a better option. Before you get to the point of challenging the refusal, all of the facts need to be clear. But when you’re angry or depressed, those facts are a bit hard to find. Policy language is intentionally vague, yet that can work as a strength for both sides. Whether the denial reason is in big letters or fine print, all of the necessary information can be found in the gathered paperwork.
With all of the facts in hand, you’re now ready to challenge the refusal. Something to note is that heartfelt letters will not sway the person that receives the refusal. Using empathy as a weapon is a common mistake when individuals deal directly with insurance companies. Avoid emotional language and stick to the facts while highlighting any and all errors in the denial letter. If it helps, your emotions will be well fed after finishing a concise letter The cherry on top is the request for further clarification to help resolve the dispute. When done right, this is a letter that an insurance company can’t ignore – they have no choice but to answer you, and that by itself feels just right.
When Is Legal Action Required?
Sometimes insurance companies don’t want to budge even when they are in the wrong. This usually happens when a lot of money is at stake! There is hope that the victim will quietly go away, or hope that a pittance of a settlement will grant them the same result. When your ducks are in a row, never let the insurance company give you the cold shoulder. Breach of contract is more than enough reason to sound the legal alarms. And if bad faith insurance is on the menu, lawyers and their clients will have a number of ways to fight.
Stay In the Fight
The fight for your money isn’t over until all of the facts come out. Don’t let the other side bully you into giving up without any compensation. The law is on your side, and it will always lean in the right direction.