It’s within your rights to file a dispute against your insurance company if they refuse to pay your claim because they believe your particular loss or damage falls outside the coverage of your policy.

Why You Need LJB Law

Our team at Lari-Joni & Bassell, LLP works tirelessly on behalf of each and every one of our clients. We don’t quit until an insurance company faces justice and you receive fair compensation for its refusing to properly fulfill its obligations.

What Are Insurance Claim Denials & Disputes?

Insurance claim denials occur when an insurance company refuses to pay out on a claim made by a policyholder. This can happen for various reasons: loss or damage is not covered by the policy, the policyholder provides insufficient or inaccurate information, or the insurance company disputes the value of the claim. However, if you feel your claim has been incorrectly denied, you can dispute your insurance company’s decision.

How to File Claim Disputes Against an Insurance Company in California

You should begin the process by hiring experienced California lawyers who understand insurance denial dispute claims similar to yours. We take the time to get to know our clients personally and we have years of experience fighting these types of cases.

Insurance Coverage Disputes FAQs

What’s the difference between insurance coverage denials and disputes and insurance claim denials and disputes?

Insurance coverage disputes focus on whether the policy provides coverage for the loss or damage in the first place, while insurance claim denials focus on the amount of the claim that the insurer is willing to pay.

When can I file a claim denial dispute?

You have 180 days from the date of the denial notice to request an internal appeal. This is when the insurance company will take a second look at their denial. Your insurer has 30 days to respond to the appeal. If they decide to not appeal their decision, but you feel you’ve been wronged you’re entitled to an external review.

Did my insurance company act in bad faith when they denied my claim?

Not necessarily. They have to have no reasonable basis for denying your claim in order for it to be considered bad faith. So let’s say an insurer denied your claim because you didn’t submit sufficient evidence. That’s a reasonable basis even if your claim is legitimate. However, once you provide the additional evidence, if they deny it again they may not have a reasonable basis for doing so.

Get Help Today

If you’re in search of an attorney to assist you with your insurance claim denial dispute case, our team at LJB Law is ready to assist. Reach out to our team today for more information about our services. Our team is ready to help you!