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You pay insurance premiums to protect yourself and your family in the unfortunate event of an accident, injury or loss outside of your control.
After paying your insurance provider for weeks, months, or even years, you have a reasonable expectation that your claim will be honored and your benefits paid.
When your insurance company denies your claim or underpays the benefit you’ll feel angry, confused, and helpless.
The denial experience can leave you immediately unsure how you’ll cover your bills or commence urgently needed repairs (in the case of property coverage).
Denials happen every day
The truth is: insurance company claim denials happen to thousands of Americans every day.
A denial often occurs when you make a claim, and the insurance company determines that they are not obligated to pay your insurance benefits for a particular reason. For example, your insurance company may allege an exclusion in your policy covers your claim.
Insurance policies are complex products that can be challenging to dissect. However, at the end of the day, they are contracts with both parties bound by their terms.
In many of the cases presented to us, we discover that an insurance company has improperly denied or underpaid the claim.
When your claim has been denied or underpaid, you need an experienced Insurance Denial Lawyer (First-Party Insurance Attorney) fighting aggressively for your legal rights.
Leader, Leader & Zucker, PLLC Attorneys at Law are Insurance Attorneys that can help you get the recovery you may deserve in Fort Lauderdale, Florida.
Denials happen at the worst possible time
Individuals often attempt to claim on their insurance policy in the days or weeks immediately after their loss. Learning that your insurance company has denied your claim can be confusing and frightening during this traumatic period of loss.
Property claims often leave you without a working bathroom or functional kitchen (depending on where the damage occurred). You have nowhere to live until the insurance company can arrange the repairs.
Even individuals who regularly pay their insurance premiums, select good coverage and have never made a claim, may face improper insurance claim denials or underpaid insurance benefits.
If you believe your insurance claim has been wrongly denied or you have not been paid a sufficient amount to cover your loss, you need an Insurance Dispute Attorney on your side immediately. An experienced advocate, fighting aggressively to have your valid claim recognized by your insurance company.
Why Insurance Claims are Denied?
Your Actions Can Lead to the Cancellation of YOUR Insurance Policy
It is essential to understand the terms and conditions of your policy clearly as specific actions can result in the cancellation of your policy by your insurance company.
At Leader, Leader & Zucker, PLLC, we handle all common insurance disputes, including homeowners insurance, long-term care insurance, life insurance, health insurance, disability insurance, AFLAC, and many other areas.
Our team have extensive experience resolving insurance disputes for Florida policyholders, and we are well-equipped to investigate your insurance coverage.
CALL NOW TO SPEAK WITH ATTORNEY MICHAEL D. LEADER
Dedicated Insurance Law Experts – Fighting For Your Legal Rights
Innovative – Skilled – Experienced – Knowledgeable – Aggressive
CALL 24 HOURS: 954-523-2020
Auto Insurance Claim Denials
We have successfully helped hundreds of clients with auto-related insurance company disputes. However, some areas of auto claims are more challenging to assist clients with recovery – for example, uninsured motorist coverage, which prevents attorney fees from being collected on your behalf.
Unfortunately, your car insurance (also known as auto insurance) won’t cover you in every situation.
Taxi, Uber, or Hire Usage
Most insurance companies will cancel your policy or won’t cover you in a crash if the insurance company learns that you used your car as a taxi, Uber car, or hire vehicle (without notifying them or purchasing a policy that provides proper coverage for such use).
Non-commercial car insurance policies don’t typically cover accidents if your car was being used for commercial purposes.
Even if you weren’t using your car for commercial purposes when the accident occurred, the insurance company might attempt to cancel your policy retroactively if your insurer learns that the vehicle was being used for commercial purposes.
Driving Under The Influence
Another common situation in which your insurance carrier may try to avoid coverage is if you were driving drunk, under the influence, or impaired.
If you let a person who doesn’t have a license drive your car, you may have no insurance coverage when an incident occurs.
Some carriers will ask you questions about who lives with you, how many licensed drivers there are, etc. This questioning has nothing to do with your claim in most instances; instead, they are attempting to find information that conflicts with anything on your original insurance application so they can cancel your policy and deny coverage.
Generally, any fraud or misrepresentations in the application or claim process can result in a denial of your benefits.
If you are being told it would cost $5000.00 to fix your car from theft and resulting damage and the insurance company will only pay you $3000.00, you do not have to accept what they offer and walk away.
You have the right to go after the insurance company and seek the full amount you are owed, even if they disagree.
If you find yourself in any of these situations, it is important to speak to an insurance claims denial lawyer as soon as possible.
Leader, Leader & Zucker, PLLC Attorneys at Law can take a close look at your insurance policy and quickly determine what rights you may have. We will provide an expert car accident Attorney that aligns with your unique requirements.
Bad Faith – Insurance Denials
If your insurer isn’t following through on their obligations to you based on your policy, the insurance company’s denial may be in bad faith.
Insurance companies are required to work within the law when reaching a settlement with you. However, it is common for insurance companies to offer you a lower settlement than you believe you deserve. While this scenario is not necessarily in bad faith, you may wish to speak to one of our experienced Claim Denial Lawyers in Fort Lauderdale, Florida if you feel you deserve more.
We’re experts at dealing with bad faith claims on your behalf, and we’ll take the right legal action to help you throughout every stage of your bad faith denial.
Leader, Leader & Zucker, PLLC Attorneys at Law are insurance claim denial lawyers who work closely with individuals facing a denied car insurance claim or an underpaid claim.
If you have questions about your insurance policy, an insurance claim denial, or any other concerns about your insurance settlement we can help you today. Leader, Leader & Zucker, PLLC Attorneys at Law are Fort Lauderdale, Florida Lawyers who may be able to help you.
Health Insurance Claim Denials
Under US law, all Americans are legally required to hold a health insurance policy to assist with medical bills.
However, health insurance policyholders may not be aware that health insurance claims from legitimate medical providers regularly get denied every day.
In many cases, individuals have been denied reimbursement by their insurance companies for costly and necessary medical treatment or prescription drugs. According to AARP, every year, 200 million health insurance claims are denied. Health insurance claims can be denied due to a simple paperwork error or due to the insurance company claiming that a procedure is not medically necessary.
In recent years, health insurance companies have become more aggressive in denying claims, including claims from medical providers for cancer and Parkinson’s patients. In some cases, the insurance company hopes that patients will pay the claim out of pocket to avoid the hassle of fighting for their insurance coverage.
If your health insurance claim has been denied, you should immediately ask why the claim has been denied.
In some cases your denial may be due to a simple paperwork error that can be corrected by your doctor. With proper assistance, many denials can be recovered without legal action. If you’re facing difficulty due to an insurance claim denial, an Insurance Lawyer can assist you in resolving the matter fast.
If your health insurance claim is denied:
- Don’t pay any bills.
- Ask for the denial reason in writing.
- Review your plan or speak to someone who can review your plan with you.
- Check to see if there were any coding mistakes or missing information.
- Call your doctor and make sure that all paperwork is filed properly
If your insurance claim has been denied, it is important to know that companies sometimes use software that may result in the false denial of a claim. Often insurance companies will also claim that treatment isn’t medically necessary when it is very necessary.
Re-apply, talk to your doctor, and make sure to keep records of each dealing you have with your insurance company. If you still have difficulty, it may be wise to speak to an insurance lawyer in Fort Lauderdale, Florida who can help you fight for your rights.
Contact an Insurance Claim Denial Attorney in Fort Lauderdale, Florida
While it can be incredibly stressful to deal with an insurance denial, the good news is that we have been able to assist almost all of our clients get some or all of their coverage when it was denied or underpaid (without just cause).
If you are facing difficulty getting the recovery you believe you deserve from your insurer, it may be wise to speak to an insurance attorney in Fort Lauderdale, Florida. Leader, Leader & Zucker, PLLC Attorneys at Law may be able to help you. Our qualified lawyers work closely with individuals to fight insurers who do not follow through on their responsibility to consumers.