Insurance companies often deny claims due to reasons such as misrepresentation and malingering. When a life-changing illness or accident occurs and the victim is denied their claim, the entire family is affected. This is often the case if the victim was the breadwinner and is now unable to work as a result of the incident.
A claim can be denied simply because the insured did not provide credible information when filling in their application. The insurer may then choose to return the premiums and cancel the policy. With the help of an experienced insurance disputes lawyer, you can seek the benefits that you’re entitled to if you or a loved one’s claims have been denied.
Understand your rights as an insured party
For instance, if a claim is denied on grounds of misrepresentation, it may have occurred as a result of the negligent actions of an insurance salesperson. This means that the insured was never at fault. An experienced disability insurance lawyer can help uncover certain facts that show the victim is indeed innocent and deserves to be compensated.
How to handle malingering claims
There are cases where a victim is believed to have faked or exaggerated their disability in order for their claim to be approved. Such cases can have serious consequences if proven to be true. Working with a qualified disability insurance lawyer can help victims to avoid losing important insurance benefits on claims of malingering.
While there are some patients who exaggerate their condition in order to avoid going back to employment or to get other benefits that they wouldn’t have been entitled to, allegations like this can be extremely hard to prove. Your lawyer will often work with experts such as physicians and therapists to gather all the medical evidence that shows you’re suffering from the condition. These medical test results presented during the case will greatly determine whether the benefits are denied or not.
Get medical help
When involved in an accident, it’s important to seek medical intervention immediately after. You may have underlying symptoms that may not be visible immediately after the accident occurs. These symptoms could soon prevent you from going to work. Keep a journal of all the events that you’ve encountered since the issue started. Write down how it has impacted your day-to-day activities as well as the way the condition has evolved over time. You may need these details to provide your disability should you be faced with a dispute.
Insurance companies have highly experienced litigators who are keen on dissuading the court in order to undermine the victim’s credibility. That’s why you need to take any insurance dispute case extremely seriously. As the lawyers from the insurance company are looking for gaps in treatment or unclear test results to undermine the severity of your illness, you need a team of litigators with years of experience in insurance dispute claims. You risk losing a deserving compensation simply because you did not enlist the services of a good lawyer.
At Edson Legal we have successfully handled many serious disability and critical insurance disputes.
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