Wrongfully Denied Claim: The Games Insurers Play
- Dan T. Matrafajlo
- Wed Mar 2012
- Car Accidents,Personal Injury,
Quite often, policyholders and claimants get no recovery from their insurers because they automatically assume that the insurers have assessed their claim correctly and they do not bother to challenge or object to the denial of coverage. However you should be aware that many insurers tend to play games when adjusting claims because many insurance adjusters believe that most claims are without merit.
Your New Jersey car accident attorney will tell you that the insurer’s denial letter can often be the key to uncovering a wrongfully denied claim because there will generally be quite a few signs contained therein that might demonstrate that the denial was improper. Some of the indicators of a wrongfully denied claim include the insurer’s failure to refer to specific provisions of the insurance policy in its denial; the insurer quotes language that is supposedly in the policy to support its denial, however, the quoted language doesn’t exist therein; the insurer neglects to state the claim-related facts in its denial of coverage; and the insurer fails or refuses to give the policyholder a copy of the policies under which it is basing its denial.
There are also other signs that your claim has been wrongfully denied, and those involve the insurer’s attempt to reserve the right to add on more policy defenses ever after the claim has been denied; the insurer makes reference to policy exclusions or conditions that are completely irrelevant to the claim; and the insurer continues to request additional information, even though it has denied it.
If you believe that you have a wrongfully denied claim, you will need to employ the services of a skilled and knowledgeable New Jersey car accident attorney who will work hard to help you deal with the insurer and get the compensation to which you’re entitled. Don’t go it alone – please call Dan T. Matrafajlo at (908) 248-4404 for a free consultation today.