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


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