Claim errors: Check your policy to see what the requirements are for notifying the insurance company of a claim.Application errors: An insurer may claim you made certain misrepresentations on your original application that nullify the coverage of your policy.Ambiguities in the policy are judged in favor of the policyholder, not the insurer. Examine your policy’s exclusions section to better understand what’s not covered. Lack of coverage: They may argue that your claim isn’t covered by your insurance policy.Reasons an Insurance Company May Deny Your ClaimĪn insurance company has an arsenal of reasons to give you for denying your claim, some legitimate, some not.
Read on to learn about the basics of suing your insurance company for denying your claim or other misconduct. So, if you’re forced to battle your insurance company on top of all that, it’s easy to feel overwhelmed. Thankfully, there are many laws designed to protect consumers like you, and it’s not uncommon for a policyholder to sue his or her insurer.ĭealing with property damage, injuries, the death of a loved one, or some other misfortune is hard enough. Common violations include not paying claims in a timely fashion, not paying properly filed claims, or making bad faith claims. You can sue your insurance company if they violate or fail the terms of the insurance policy.
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