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My insurance company denied my claim: What can I do?

Insurance companies have adjusters whose job it is to review your claim for compensation to determine if it actually warrants a benefits payout. In many cases, your insurance company will be relatively easy to work with and you can get just compensation that aligns with the coverage and benefits you signed up for -- and more importantly -- paid for. However, in some cases, an adjuster could decide to deny your claim for a variety of reasons: What can you do in this case?

Imagine you got in a serious car accident -- and the crash was your fault. You believe you should receive compensation to cover the damages from your insurer, but your insurer disagrees. Perhaps the insurer claims that you waited too long to file your claim, that the circumstances of your accident disqualify you for coverage or there is another reason why you can't get benefits.

The first thing you need to do is break out your insurance policy and review it carefully. If you determine -- after a careful reading of this contract -- that you have the right to receive benefits, then you may want to appeal the denial. Your insurance company will have a procedure for appealing the denial laid out in your policy.

Of course, simply appealing your denial of benefits could result in another denial. If this happens, then you might need to file a legal action. Prior to filing such an action, it's absolutely vital that you confirm you are on the right side of California insurance benefits law in order to not waste your money or time and not open yourself up to liability in the case of a frivolous lawsuit counterclaim by your insurer.

Source: FindLaw, "Insurance Claims After an Accident: The Basics," accessed March 09, 2018

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