Tips For When Your Insurance Provider Says Your Claim Is Not Covered

Web Admin - Friday, July 15, 2016
Illinois insurance dispute attorneys
Most people shell out hundreds, if not thousands, of dollars to pay insurance premiums in order to have some financial protection if something bad happens to them. The typical person has at least automobile insurance, homeowner’s insurance, or renter’s insurance. But it is common to have several other types of insurance as well. For instance, many people have life insurance policies, or insurance on their boats or other large assets, and many professionals are required to carry malpractice insurance. Regardless of what type of insurance it is, when a claim gets denied by your insurance provider, it can be a major inconvenience for you.

What Drives The Insurance Companies? 

Insurance companies make money by not paying out claims, or paying out less on a claim than they really should. This is what motivates insurance companies to deny claims more frequently than is actually warranted. When in doubt, insurance companies will make a denial, which causes the claimant to either let the claim go (and thus the insurance company saves money by not paying out the claim) or fight the denial. Many claimants choose to fight their insurance company’s denial of their claim. An experienced insurance disputes lawyer can help you with your insurance dispute.  

Tips For Fighting An Insurance Denial 

You do not have to take the insurance company’s denial as the final word on the matter. You can challenge the denial. Below are a few tips for dealing with a denied insurance claim.   

1. Verify the denial of your insurance claim: When insurance companies deny a claim, they usually provide a reason for why they are denying the claim. You and your insurance dispute lawyer need to verify that the denial is appropriate. You may find that the insurance company is not honoring the terms of the insurance policy, and that the insurer is actually obligated to pay out on the claim. 

2. Verify all of the policy information: It is possible that the insurance company has you confused for another claimant who holds a different insurance policy. Make sure that the denial of your claim is based on your information and your policy. 

3. Use an insurance dispute attorney to handle your denied claim: An insurance dispute lawyer will have experience working with insurance companies, and will be able to tell if the insurance company has made a proper denial of a claim, made a mistake, or is deliberately making a bad faith denial of your claim. Your lawyer will be able to dispute the denial, can negotiation a settlement with the insurance company on your behalf, and can bring legal action against the insurance company for bad faith, breach of contract, and any other applicable claims under the Illinois Insurance Code. 

When insurance companies are wrongly denying your insurance claim, you need to fight to hold them accountable for the claim. Please feel free to contact one of our experienced Illinois insurance dispute attorneys today regarding your specific circumstances. Our firm serves the communities of Rolling Meadows, Inverness, Deer Park, Schaumburg, Barrington, Des Plaines, Crystal Lake, Buffalo Grove, Barrington, Arlington Heights. 

Source: http://www.ilga.gov/legislation/ilcs/ilcs5.asp?ActID=1249&

Ken Apicella
About the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.

Recent Posts


Schaumburg criminal attorney Illinois DUI attorney real estate attorneys product liability personal injury, auto accident injuries, delayed injuries, serious injuries, Des Plaines personal injury attorneys personal injury claim Illinois corporate lawyer Illinois personal injury agent trust payments Illinois job attorney medical malpractice compensation preventable medical errors Illinois attorney Inverness accident lawyer IRELA murder Schaumburg car accident attorney Rolling Meadows insurance lawyer pedestrian-automobile accident pizza emoji accidental death benefits Palatine trusts lawyer homestead rights Arlington Heights car accident lawyer Schaumburg Attorney BAC Des Plaines personal injury lawyers Illinois insurance claim dispute lawyer civil rights violation life insurance Exclusions Illinois elder law attorney Crystal Lake accident attorney commercial leases Detainer Actions Illinois driving without license pedestrian accident medical malpractice claims Illinois insurance claim attorney Chicago estate planning lawyer independent contractor foreclosure subcontractor estate planning trusts Inverness insurance attorney Inverness DUI lawyer car accident lawyer Policy Cancellation Arlington Heights Attorney Illinois workplace lawyer real estate zoning power of attorney social media after death Buffalo Grove insurance claim dispute lawyers Palatine insurance lawyer Crystal Lake criminal defense attorney guardianship attorney Illinois workplace discrimination attorney medication errors boating accidents Schaumburg insurance lawyers School Visitation Rights Act real estate leasing Crystal Lake pet attorney natural gas explosion Arlington Heights wills and trusts lawyers Inverness injury lawyer Illinois estate planning law firm Palatine workers compensation lawyer Illinois traffic accident lawyer Buffalo Grove real estate attorney DUI penalities Illinois personal injury attorney Rolling Meadows personal injury attorney compensatory time Schaumburg personal injury attorney Illinois civil litigation lawyer Illinois boating accident lawyer new real estate form construction contracts Schaumburg elder law lawyer IRA trust transfer Arlington Heights traffic attorney employment law traffic violations workers compensation Crystal Lake car accident attorney Illinois Smoke Detector Act unfunded trust defective products Barrington real estate lawyer Illinois traffic accidents Barrington boating accident attorney wrongful termination, employment law, whistleblower protections, Illinois employment laws, discrimination in the workplace pedestrian injuries, pedestrian fatality Barrington employment law attorney insurance claims underfunded trust Arlington Heights injury attorney construction accidents personal injury lawyer paid sick leave Buffalo Grove law firm Food and Drug Administration's Food Safety Modernization Act foreclosed rental property sexual images Arlington Heights car crash attorneys trusts Illinois Transfer on Death Instrument wrongful termination modern family estate planning Schaumburg corporate attorney motorcycle accident lawyer Illinois employment law attorneys icy parking lots advance healthcare directive anesthesia errors condo DUI defense drugs Home Remodeling Repair Act mortgage Employment Discrimination Law Mount Prospect elder law attorney Riverwoods estate planning lawyer Colin Gilbert Rolling Meadows accident lawyer Illinois construction accident attorney dynasty trusts insurance agent negligence Palatine employment lawyer Illinois home inspection Illinois employment laws murder defense Arlington Heights tax lawyer comparative negligence natural gas Arlington Heights wills and trusts attorneys Illinois traffic laws drunk driving statistics ObamaCare Illinois medical malpractice lawyers Des Plaines Traffic Lawyer Deer Park DUI lawyer Chicago lawyer insurance claim dispute attorney insurance denial appeals Illinois living will CAM Landlord Tenant Ordinance medical malpractice, missed diagnosis, delayed diagnosis, medical mistake, Deer Creek medical malpractice lawyers license reinstatement bad faith insurance claims automated cars Illinois speeding lawyer denied insurance claims probate lawyer pedestrian accidents privacy trauma after an accident Inverness real estate attorney taxes Illinois traffic attorneys personal injury law firm financial advisors Chicago employment lawyer digital assets, digital fiduciary, estate planning, digital content, Long Grove estate planning lawyers Inverness personal injury attorney Barrington medical malpractice lawyers living trust vs will Rolling Meadows employment law attorneys Arlington Heights criminal lawyer Federal Food Drug and Cosmetic Act Schaumburg traffic lawyer golf accidents Palatine personal injury lawyer DMV wills and trusts liability claims insurance disputes Rolling Meadows Illinois trucking safety personal injury claims contracts Rolling Meadows probate lawyer Affordable Care Act Illinois mortgages work unions Rolling Meadows car accident lawyers insurance claim denial Schaumburg personal injury lawyers Illinois insurance dispute lawyers Illinois employment law Arlington Heights personal injury lawyer traumatic brain injury Schaumburg civil litigation attorney Illinois tax attorney DGAA Des Plaines injury law firm dealing with problem employees Rolling Meadows insurance attorney Des Plaines criminal attorney healthcare Inverness estate planning lawyer residential real estate Mt Prospect Attorney Joliet general practice lawyers real estate attorney cell phone tower data Barrington personal injury attorney owner responsibility Deer Park real estate law firm probate fees Long Grove real estate lawyer Buffalo Grove employment lawyer Illinois jet ski accident lawyer holiday statistics investment property Illinois bicycle safety Inverness civil lawyer unauthorized overtime Barrington Traffic Lawyer FSLA Arlington Heights estate planning attorney Rolling Meadows DUI lawyer hit and run accident criminal defense Palatine construction attorney Crystal Lake tax lawyer car crash injuries Schaumburg estate attorney Des Plaines real estate lawyer Illinois estate planning attorney overtime pay estate planning lawyer Rolling Meadows insurance dispute lawyers, insurance dispute loopholes trucking accident lawyers controlled substance insurance claim landlord Crystal Lake personal injury attorney Palatine corporate attorney jet ski accidents employment contract digital evidence Rolling Meadows boating crash lawyer Barrington Illinois estate planning lawyer dog bites Deer Park employment law attorney Illinois collections attorney probate Barrington attorney insurance dispute attorney DNR food poisoning digital information rumble strips Chicago traffic lawyer Palatine probate lawyer employee misclassification Rolling Meadows personal injury lawyers Deer Park medical malpractice attorney Palatine corporate law attorneys Crystal Lake medical malpractice law firm no contest clauses loss of consortium first degree murder fault based insurance elder abuse traffic deaths Illinois insurance claim dispute lawyers Illinois law Rolling Meadows tax attorney insurance claim dispute Rolling Meadows corporate lawyer Buffalo Grove corporate attorney nursing home negligence insurance adjusters Rolling Meadows criminal lawyer institutional trustee construction accidents, personal injury, wrongful death, Arlington Heights personal injury attorneys, workers' compensation Illinois small business deed transfer Illinois estate planning Illinois traffic attorney caregiver business litigation Buffalo Grove injury lawyer ken apicella Chicago will attorney, social media platforms, Illinois estate planning lawyer, Long Grove estate planning attorney Des Plaines personal injury lawyer Long Grove estate planning attorneys Crystal Lake medical malpractice lawyer Inverness real estate lawyer commercial leasing medical marijuana Deer Park workers compensation lawyer employees Illinois medical malpractice claim personal injury accidents Long Grove estate planning estate planning Palatine employment law lawyer Arlington Heights medical malpractice lawyer Schaumburg personal injury lawyer Illinois insurance lawyer Chicago trucking accident attorney low-ball insurance settlement texting and driving landlord tenant law Illinois business law atorneys drug possession Barrington criminal defense lawyer wrongful death Arlington Heights wills and trusts lawyer federal regulations for LLCs Chicago car accident lawyer Illinois defective products attorney Schaumburg estate planning lawyer digital media accounts, estate planning, Arlington Heights estate planning attorney, Palatine civil litigation lawyer Rolling Meadows drug defense attorney Deer Park criminal attorney Inverness elder law lawyer home inspection lawyer trucking accidents Inverness traffic law firm employment law, Illinois employment laws changes to mortgage law Fair Labor Standards Act Crystal Lake insurance lawyer Schaumburg criminal law attorney Arlington Heights personal injury attorney South Barrington real estate lawyer Illinois insurance disputes creditors estate planning for college students unpaid overtime living wills insurance claim denials texting while driving senior citizens Illinois insurance attorney Family Medical Leave Act Schaumburg injury lawyer driving Des Plaines personal injury attorney brain injury products liability underinsured motorist health insurance dispute elder law Illinois traffic ticket lawyer Long Grove real estate attorney blood alcohol content rollover car crashes DUI workplace sexual harassment Arlington Heights TBI attorney child safety estate planning, digital assets, Revised Uniform Fiduciary Access to Digital Assets Act, Illinois digital assets, Illinois estate planning, reckless homicide Buffalo Grove personal injury lawyer Rolling Meadows insurance dispute lawyers truck collisions estate planning attorney Arlington Heights lawyer license suspension pain and suffering Arlington Heights pedestrian accidents car crashes Illinois employment lawyer revenge porn Rolling Meadows real estate attorney ACA liability meal breaks Buffalo Grove traffic lawyers consent to a search insurance disputes, Illinois insurance disputes, Illinois insurance dispute attorneys, denied insurance claims, Arlington Heights insurance dispute attorneys license revocation Chicago insurance claim attorneys civil litigation Palatine traffic accidents job lawyers Crystal Lake medical malpractice attorneys Schaumburg estate planning attorney Barrington employment attorney Rolling Meadows litigation lawyer Illinois employee rights attorney. real estate closing Arlington Heights accident attorney Schaumburg small business Chicago insurance law firm insurance dispute income distribution deducation clemency employment lawyer Palatine injury attorney criminal law underage DUI real estate workers comp Chicago biking tips wage theft Illinois pedestrian accident attorney Palatine punch death Des Plaines drug crimes lawyer rest breaks surgical mistakes fatal car accidents Illinois pet lawyer Illinois personal injury lawyers Crystal Lake will lawyer IRS crossover accidents disability benefits license insurance dispute, insurance dispute lawyers, insurance claim denial, insurance claim delays, Rolling Meadows insurance dispute attorneys Illinois Wage Payment and Collection Act Rolling Meadows employment law attorney Des Plaines tax law firm Rolling Meadows estate planning attorney Crystal Lake business law attorneys cell phone accidents pet bites special needs trust Arlington Heights employment law attorneys liens Des Plaines civil attorney gift tax exemption, estate planning, estate planning strategies, Illinois estate planning, South Barrington estate planning attorneys head on collisions vacation home fines Rolling Meadows marijuana attorney Barrington litigation attorney field sobriety test installment contracts caretaker rights Illinois LLC creation Buffalo Grove criminal defense lawyer Home Sale Contingencies traffic laws Barrington drug crime attorney Self-Directed IRA Accounts Whistleblower Claims bicycle dooring accidents rent to own real estate contracts Illinois insurance claims lawyers estate attorney mass shooting employment attorney Barrington injury attorney BUI expungement Forcible Entry Rolling Meadows traffic law firm car accident lawyers uninsured motorist Illinois medical malpractice attorney operating agreements GM ignition switches denial of life insurance insurance negligence Des Plaines drug lawyer Kenilworth estate planning attorney tax attorney back injuries overtime violations Crystal Lake traffic attorney TBI capital gains tax estate plan Super Mario severance agreements Barrington criminal lawyer Des Plaines DUI attorney Crystal Lake personal injury lawyer drug crime Crystal Lake law firm Long Grove wills and trusts attorneys involuntary manslaughter Arlington Heights real estate lawyer Palatine traffic lawyer pay when paid contract Palatine employment attorney Des Plaines medical malpractice attorney Palatine criminal defense lawyer college kids Arlington Heights Traffic Lawyer attorney fees Attorney Ken Apicella spinal cord injuries breach of contract Buffalo Grove medical malpractice lawyers employee rights startup company Illinois workers compensation attorney blended families sexual harassment marijuana slip and fall accidents Illinois employment attorneys PTSD Palatine drug lawyer comp time Illinois probate lawyer hiring employees medical malpractice pet law traffic violations defense Crystal Lake estate planning lawyer Rolling Meadows medical malpractice lawyers Barrington personal injury lawyer Arlington Heights wills and trusts attorney Class A misdemeanor traffic tickets Schaumburg employment attorney Crystal Lake bike accident lawyer Colin H. Gilbert Buffalo Grove traffic attorney rollover accidents estate tax Palatine estate planning lawyer Illinois Human Rights Act Illinois registered agent Des Plaines accident attorney Kenilworth estate planning attorneys pregnant women life insurance claims Illinois rollover accident lawyers Inverness corporate attorney Illinois wrongful termination lawyer murder charges Illinois Probate Act of 1975 Illinois criminal defense attorney Des Plaines motorcycle accident attorney Arlington Heights insurance attorney Retaliatory Discharge bike accident FMLA condo association Rolling Meadows Traffic Lawyer Schaumburg construction accident lawyer denied insurance claim cell phone Illinois motorcycle accident lawyer drug crimes lawyer Barrington civil litigation attorney Crystal Lake employment lawyer car crash Barrington employment law firm Rolling Meadows employment attorney healthcare claims vacation home drunk driving traumatic brain injuries sole proprietorship BAIID Palatine elder law attorney premises liability Mount Prospect real estate lawyer filing a medical malpractice claim civil litigation attorney Illinois car accident attorney Crystal Lake car accident lawyer defective products lawyer in terrorem provision real estate lawyer LLCs Inverness probate lawyer DUI attorney fiduciary rule delay Des Plaines employment contract, employment law, employment at-will, Deer Park employment law attorneys, contract, insurance attorney speeding eluding a police officer Palatine Attorney Palatine real estate lawyer Schaumburg probate attorney insurance claim delay Illinois red light cameras distracted driving accident victims Crystal Lake civil litigation lawyer Chicago estate planning whistleblower protections real estate contract Barrington workers compensation attorney commercial real estate Chicago will attorney Illinois trusts attorney Transfer on Death Instrument Illinois wills and trusts Barrington estate planning attorney Illinois workers compensation lawyer Illinois employment law attorney car collision wills Rolling Meadows Attorney minimum wage traffic crimes Rolling Meadows traffic attorney deadly crashes personal injury Palatine business attorney Deer Park traffic accident attorney IRA benefits Deer Park accident attorney Mount Prospect wills and trusts lawyers Illinois lawyer Illinois real estate digital assets Illinois medical malpractice case Rolling Meadows criminal attorney forming a corporation in Illinois medical research unpaid assessment Illinois Sales Representative Act drug crimes Buffalo Grove car accident lawyer Palatine civil attorney marijuana crimes attorney Barrington business law firm Illinois employment law firm South Barrington real estate attorney llinois Real Estate Lawyers Association motorcycle accident Crystal Lake employment law attorney power of attorney for healthcare Arlington Heights trucking lawyer swimming pools dram shop law Liquor Control Act bicycle accidents Deer Park personal injury lawyer Crystal Lake pedestrian accident lawyer Schaumburg medical malpractice lawyer Illinois will lawyer Des Plaines real estate attorney Thanksgiving Buffalo Grove personal injury attorney Deer Park traffic lawyer probate claims process living trust insurance agents spinal cord injury Fourth of July fiduciary rule right to work Chicago attorney Des Plaines insurance attorney Barrington estate planning lawyer employee discrimination insurance denials slip and fall Des Plaines pet law attorney manufacturing Des Plaines collections attorney Illinois wills and trusts attorneys irrevocable trust employment law, meal breaks, rest breaks, hotel employees, Des Plaines employment law attorneys breathalyzer test Crystal Lake injury attorney boating DUI suspended license personal injury attorney probate process Crystal lake insurance dispute attorney Crystal Lake traffic lawyer traffic offenses Chicago employment attorney trench injuries Schaumburg wrongful death attorney auto accidents Illinois business lawyer Buffalo Grove probate lawyer Arlington Heights employment attorney POA preventing accidents distracted driving accidents Illinois personal injury lawyer criminal record Schaumburg real estate lawyer probate claims corporate law life insurance policy workers compensation benefits life insurance lawyer Des Plaines claims law firm car accident gift taxes estate planning, death tax, succession plans, business estate plans, Barrington estate planning lawyers Schaumburg employment law attorneys Chicago corporate attorney problem employees jet ski Jay Andrew criminal privacy laws car accidents Do Not Resuscitate Crystal Lake employment attorney trustee appealing an insurance claim Rolling Meadows business lawyer Legal Info Rolling Meadows personal injury lawyer federal crimes boating under the influence Kenilworth estate planning lawyer Illinois real estate lawyer Deer Park motorcycle accident lawyer Schaumburg drug defense lawyer living trust benefits Illinois injury lawyer Palatine law firm Illinois Workers’ Compensation Commission hands free device internet