{"id":903,"date":"2019-10-01T11:02:00","date_gmt":"2019-10-01T11:02:00","guid":{"rendered":"https:\/\/epicdevsite.info\/2023-EdwardLeeLaw\/?p=903"},"modified":"2023-10-30T11:02:28","modified_gmt":"2023-10-30T11:02:28","slug":"suing-an-insurance-company-for-wrongfully-denying-your-claim","status":"publish","type":"post","link":"https:\/\/epicdevsite.info\/2023-EdwardLeeLaw\/suing-an-insurance-company-for-wrongfully-denying-your-claim\/","title":{"rendered":"Suing an Insurance Company for Wrongfully Denying Your Claim"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Protecting Your Right to Insurance Benefits<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full\"><img decoding=\"async\" width=\"768\" height=\"512\" data-src=\"https:\/\/epicdevsite.info\/2023-EdwardLeeLaw\/wp-content\/uploads\/2023\/10\/Suing-an-Insurance-Company-768x512-1.jpeg\" alt=\"\" class=\"wp-image-904 lazyload\" data-srcset=\"https:\/\/epicdevsite.info\/2023-EdwardLeeLaw\/wp-content\/uploads\/2023\/10\/Suing-an-Insurance-Company-768x512-1.jpeg 768w, https:\/\/epicdevsite.info\/2023-EdwardLeeLaw\/wp-content\/uploads\/2023\/10\/Suing-an-Insurance-Company-768x512-1-300x200.jpeg 300w\" data-sizes=\"(max-width: 768px) 100vw, 768px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 768px; --smush-placeholder-aspect-ratio: 768\/512;\" \/><\/figure><\/div>\n\n\n<p>It\u2019s unfortunately an all too common occurrence. You suffer an&nbsp;<a href=\"https:\/\/www.edwardleelaw.com\/personal-injury\/\">injury<\/a>&nbsp;because of someone else\u2019s negligence or carelessness, and you notify your insurance provider(s) in a timely manner. To your surprise, a letter arrives from the insurance company, advising you that coverage has been denied. What are your options? Do you simply have to accept the decision of the insurer? Can you initiate legal action and, if so, under what circumstances?<\/p>\n\n\n\n<p>The good news\u2014you have the legal right to challenge the finding of your insurance company. In fact, it happens on a pretty regular basis. Insurance companies are for-profit businesses with an incentive to minimize the amount they pay out in claims\u2014that\u2019s how they maximize their profits. They\u2019re hoping that you\u2019ll simply accept their ruling and be done with it.<\/p>\n\n\n\n<p>However, under the law, an insurer has a number of legal obligations to policyholders:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your insurer must comply with the terms of your insurance contract\u2014any material deviation is a breach of contract, which may entitle you to damages<\/li>\n\n\n\n<li>Your insurer must act in good faith<\/li>\n\n\n\n<li>Your insurer must not engage in unfair business practices, including misrepresentation<\/li>\n<\/ul>\n\n\n\n<p>The legal duties imposed on insurers require that they:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Conduct an adequate and timely investigation of your claim<\/li>\n\n\n\n<li>Pay all claims where liability is reasonably clear<\/li>\n\n\n\n<li>Make a timely decision to approve or deny a claim and communicate that to the policyholder within a reasonable period of time<\/li>\n\n\n\n<li>Provide a reasonable and detailed explanation of why your claim was rejected<\/li>\n\n\n\n<li>Represent you in any lawsuit covered by the terms of your policy, and provide a meaningful defense<\/li>\n<\/ul>\n\n\n\n<p>Most insurance policies carry a period of contestability, during which the insurance company can deny claims based on material misstatements in an application. After that period has expired, the insurance company may not use the misstatement to reject your claim.<\/p>\n\n\n\n<p>In most instances, any legal action against your insurer will be based on a breach of contract.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Protecting Your Right to Insurance Benefits It\u2019s unfortunately an all too common occurrence. You suffer an&nbsp;injury&nbsp;because of someone else\u2019s negligence or carelessness, and you notify your insurance provider(s) in a timely manner. To your surprise, a letter arrives from the insurance company, advising you that coverage has been denied. What are your options? Do you [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":904,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-903","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-new-jersey-personal-injury-claims"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Suing an Insurance Company for Wrongfully Denying Your Claim | Lee Law Firm, LLC<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Suing an Insurance Company for Wrongfully Denying Your Claim | Lee Law Firm, LLC\" \/>\n<meta property=\"og:description\" content=\"Protecting Your Right to Insurance Benefits It\u2019s unfortunately an all too common occurrence. 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