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What actions can I take if an insurance company denies my claim or offers me a low settlement amount?

Picture of Chris Battis By   ·  1 minute read

If an insurance company denies your claim or offers you a low settlement amount, there are several actions you can take to pursue compensation.

  1. Review Your Policy: Review your insurance policy to determine the reasons for the denial or low settlement amount. Make sure that you have all of the necessary documentation to support your claim, such as medical records, police reports, and witness statements.

  2. Negotiate with the Insurance Company: If you believe that the settlement amount offered by the insurance company is too low or the claim was unjustly denied, you can negotiate with the insurance company. Gather evidence and present your case to the adjuster or representative in a clear and convincing manner. Sometimes an initial offer may be low hoping you will settle early on. It's important to recognize that a statute of limitations may exist which may limit how long you have to make a claim.

  3. Hire An Attorney: If the insurance company denies your claim despite a strong case, or if negotiations are unsuccessful, you may consider hiring an attorney who specializes in insurance law. An attorney can help you navigate the legal process, ensure your rights are protected, and help you pursue the maximum compensation possible.

  4. File A Complaint: If negotiation and hiring an attorney do not produce results, you may file a complaint with the state insurance department. The department will investigate your case and mediate a resolution. The complaint will be added to your insurance provider's record, which may prompt them to reconsider their decision.

  5. Sue The Insurance Company: If all other options fail, you can sue the insurance company in court. A lawsuit may result in a jury trial or arbitration, depending on the terms of the insurance policy. Your attorney will guide you through the process and help you build a persuasive case.

It's important to note that there may be limitations or exceptions to your case. For example, your policy might have a time limit for filing a claim or limit your ability to sue your insurance company. A lawyer can review your particular situation to identify any potential limitations or exceptions that may apply to your case.