DGAA bLAWg

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


Tags

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

Archive