What to Do After a Denied Insurance Claim

Q: What should I do first after a wrongful denial?

Request a written explanation from the insurance company and review your policy carefully to understand your rights and coverage.

Q: Can I appeal an insurance claim denial?

Yes. Many insurance policies include an appeals process. An experienced attorney can help strengthen your appeal.

Q: When can I sue an insurance company for bad faith?

If an insurer wrongfully denies a valid claim without reasonable justification, you may be able to file a bad faith lawsuit seeking additional damages.

What steps should someone take if their claim is wrongfully denied

Quick Answer

What steps should someone take if their claim is wrongfully denied?

Request a written explanation, review your policy, gather all related documents, avoid direct communication with the insurer, and consult an attorney to appeal or file a lawsuit if necessary.

At Rafferty Domnick Cunningham & Yaffa, we help policyholders fight back after wrongful insurance claim denials. If your valid claim is denied, immediate action is essential to preserve your rights and pursue the compensation you deserve.

Steps to Take After a Wrongful Insurance Claim Denial

1. Request a Written Explanation

Insurers must provide a clear, written reason for denying a claim. This document is crucial for appeals and legal action.

2. Review Your Insurance Policy

Carefully check your policy terms to identify any violations by the insurer and confirm your coverage details.

3. Gather All Documentation

Save everything related to your claim, including accident reports, correspondence, and medical records, to support your case.

4. Avoid Further Direct Communication

After denial, it’s best to let your attorney communicate with the insurance company to protect your interests.

5. Contact an Attorney

An experienced lawyer can file an appeal, negotiate a settlement, or pursue a bad faith lawsuit if the insurer acted improperly.

Why Immediate Action Matters

Step	Why It Matters
Request Written Denial	Establishes official grounds for challenging the decision.
Review Policy	Identifies any breaches of coverage terms or obligations.
Preserve Evidence	Builds a strong appeal or legal case with supporting documentation.
Engage an Attorney	Improves your chances of reversing the denial or winning a lawsuit.

Frequently Asked Questions

What should I do first after a wrongful denial?

Request a written explanation from your insurance company and review your policy carefully.

Can I appeal an insurance claim denial?

Yes. Most policies allow for an internal appeal, and an attorney can greatly increase your chance of success.

When can I sue an insurance company for bad faith?

If the insurer wrongfully denied a valid claim without proper justification, you may have grounds for a bad faith lawsuit.

Don’t Let a Wrongful Claim Denial Derail Your Recovery
If your valid insurance claim has been denied, you don’t have to face the insurer on your own. The attorneys at Rafferty Domnick Cunningham & Yaffa have the experience and resources to challenge wrongful denials and pursue the compensation you deserve. Contact us today for a free consultation—we’ll help you take action and protect your rights.

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