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Serving clients in Hawaii and throughout California, including Sacramento, Los Angeles, Chico, Jackson and San Diego

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Understanding insurance claim denials can prevent future ones

Understanding insurance claim denials can prevent future ones

On Behalf of | Apr 7, 2021 | Insurance Litigation

Life in San Diego is unpredictable and it is important that people plan as best they can for the possibilities. This may be by buying vehicles with the best safety features or ensuring their property is properly cared for to prevent things from breaking. People can also plan for these unexpected events by obtaining the proper insurance. This can be health insurance, homeowner’s insurance, liability insurance for their business, automobile insurance and other types as well.

When things go wrong people can suffer significant economic damages and the insurance can help reduce the loss by paying for the damage and putting people in the position they were in prior to the unexpected event. However, not every claim is resolved by the insurance companies. Some of the claims will be denied. There are a variety of reasons that insurance companies deny claims, but some are more common than others.

Common reasons for insurance claim denials

Some of the common reasons for denials are:

  • Filing too late – claims usually must be made within a certain amount of time after the damaging event and filing a claim too late can result in a denial.
  • Failing to pay premiums – if the premiums are not paid, the plan could be cancelled.
  • False statements – lying about what caused the damage or when it occurred could result in a denial.
  • Exclusions – many insurance policies exclude certain types of damage or damage caused by certain events and the insurance company may feel the claim falls in one of those exclusions.
  • Failure to mitigate damages – the policy holders generally need to try and prevent preventable damages and if they do not the claims could be denied or a portion of the claim at least.

Usually when people in San Diego need to file an insurance claim, it is because they suffer damages that put themselves in a difficult position. That is why it can be particularly difficult when an insurance company denies a claim. People may have a basis for why the insurance company’s explanation for the denial is not true and still receive coverage. These are complicated claims and consulting with experienced attorneys could be beneficial.

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