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

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

Archive