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Prevent Your Insurance Claim Being Rejected With These Simple Tips

 

Insurance is such a useful tool in life. You can cover all kinds of belongings and items – even yourself and your health – so that you receive a generous payout from your provider in the event that anything you own goes missing, is damaged, or stolen. When it comes to insurance for yourself and your health, it gives you the peace of mind that you will always be able to afford any necessary medical treatment in the event that you become ill or get injured.

However, insurance can sometimes be slightly more complicated than what it may at first seem. In some cases, you might find that your insurance company actually try to withhold a payment from you. This is usually when the provider believes that the specific insurance policy does not cover the item that is damaged or the accident that has taken place; or they believe that the damaged caused was your own fault. In fact, there are a number of reasons why your insurer might not want to pay up! In some situations, this can be very distressing for the individual making the claim, as they might be left without the necessary funds needed to pay for important treatment or the replacement of an expensive item.

Worried that an insurer might be reluctant to pay you when you make a claim? Here are some tips that can help you ensure that your next claim goes in your favor.

Sign Up For The Right Insurance In The First Place

There are lots of people who end up making the mistake of signing up for the wrong kind of insurance. There are lots of different types of insurance out there that cover various things, so you should know whether you need insurance for your health, car, home contents etc. However, you then need to narrow it down usually, and choose a more specific policy in that field. This is the bit that confuses most people. If you aren’t entirely sure on the specific policy that is best for you, you should speak to an insurance broker for some expert advice. If you do end up choosing the wrong policy, there is little chance of your provider paying out.

Know What You Can Claim For

Once you have found the right policy, you need to confirm what it will actually pay out for. Some insurers have different definitions of common terms, so you need to clarify exactly what is meant by all of the terms and conditions in the small print. For instance, some insurance companies have different definitions of “accidental damage”. If you are confused by the forms you need to fill out, and the terms and conditions, it is perfectly acceptable to ask the insurer for some clarity.

Get A Lawyer On Your Side

If you need to make a fairly sizeable claim, it is always a good idea to get a lawyer on your side. There are now quite a few law firms, such as the Blumenshine Law Group, that specialize in helping clients claim their payouts from insurance companies. It’s worth getting a lawyer on board from the outset, but you should still be able to find one willing to help you even after an initial insurance claim has been rejected. They will take a look at your case and let you know whether there is any point in pursuing your claim. In some instances, they may even advise taking an insurance company to court if they are persistent in withholding your money.

Always Be Honest

You always need to be 100% upfront and honest with your insurance company. There are a lot of fraudsters out there who try and reclaim extra money or gain payouts that they aren’t entitled to, so insurance companies are always very careful in judging everyone’s claim. You need to disclose all of the information that the insurer asks for, and don’t try to twist the truth. If you are caught to be lyng or holding back any important information, you might face a hefty legal sentence as well as your claim being rejected. It’s not only important to be honest while you are making a claim – you also need to provide truthful information when you are in the process of taking out a policy in the first place. This is especially the case with health insurance. Your insurer will want to know about all preexisting health conditions that you may suffer from. You will need to tell them all of these in full for your policy to be valid.

Pay Your Premiums In A Timely Manner

Your insurance policy needs to be active for the insurer to pay out. In order to prevent your policy from lapsing, you need to pay all of your premiums on time. Any late payments may result in the policy becoming invalid and leaving you no longer covered. If that happens, there is no way your insurer will pay you anything if you do make a claim.

Don’t Wait To File A Claim

Filing a claim for insurance during an emergency may be one of the last things on your mind, but it is still essential that you file your claim as soon as you can. Any delays might make it a lot more likely for your insurer to try to withhold your payments. Ideally, you should call the company within 24 hours of anything happening that you need to claim for. As this is so urgent, you may want to give your insurance provider’s details to a close friend or relative so that they can contact the company on your behalf if you are ever unable to due to an accident or illness. That way, you can get the ball rolling on your claim, and you can receive your payout as quickly as possible.

These are just a handful of ways you can ensure your insurance claim won’t be rejected. It’s worth doing your research and finding out all the other tips that can help as well!