Denied Insurance Claim? Don’t Be a Victim Twice

Denied Insurance Claim? Don’t Be a Victim Twice - by West Covina Attorney, Lem Garcia

Make sure your insurance company covers what they promised to cover. West Covina Attorney, Lem Garcia

Make sure your insurance company covers what they promised to cover. West Covina Attorney, Lem Garcia

You pay a lot of money for your insurance coverage, so you expect them to be there for you when you need them most. Unfortunately, that isn’t always the case. Insurance companies frequently deny perfectly legitimate claims because their priority is to fill their pockets with your money (the U.S insurance industry makes more than $30 billion in profits annually).

No matter who your insurer is and what type of insurance you have (car, homeowner’s, disability, health, etc.), the insurance company’s goal is to maximize their profits. Contrary to popular belief, your insurance company is not always on your side. However, if you do have a valid claim, they should be on your side. There are several things you can do to make sure you get the coverage you pay for. 

Avoid a Car Insurance Claim Denial

Generally, car insurance protects you against potential financial losses that stem from an accident or theft. Unfortunately, even your own insurance adjuster is looking for way to deny your claim. To increase your chances of getting coverage, make sure to do the following:

  1. You’re not at fault. If the accident was not your fault, make sure that your insurance company knows that. Your adjuster is looking for ways to make it look like that you caused the accident or that there is something you could have done to avoid the accident.
  2. See your doctor right away. If you were injured in your accident, you need to prove your injuries. If you don’t see the doctor right away, the adjuster can claim that your injuries are from another event or never existed at all.
  3. Pre-existing conditioned worsened. Insurance adjusters like to argue that your injury was actually a pre-existing injury. To recover for a pre-existing condition, you must show that the accident caused your pre-existing condition to get worse.
  4. Read, understand, and have a copy of your policy. Insurance companies attempt to confuse policyholders through confusing and misleading language in the insurance agreement. Make sure you go over it thoroughly to know what is and is not covered.
  5. You weren’t involved in the theft of your own car. If your car has been stolen, the insurance company will investigate to determine if you staged the theft of your car. If your car was legitimately stolen, make sure you know where you were when it was stolen and what you did when you discovered it was stolen. Also make sure that other people can attest to these facts. Any discrepancy in your statement strengthens their argument that the theft of your vehicle was staged.
  6. Pay your premiums on time. If you pay your premiums late, your coverage may lapse and you will not be covered.

 Avoid a Homeowner’s Insurance Claim Denial

Generally, homeowner’s insurance protects you from expenses when your home and its contents face unanticipated, sudden, and accidental damages. It may also provide coverage for injuries to other people that you, your family, and your pets cause. In the event of a tragedy, keep the following tips in mind to make sure you get the coverage you pay for:

  1. You weren’t negligent. The insurance company wants to prove that your negligence led to the damages to your home. You want to prove that the damage was unanticipated and sudden. Demonstrate to them that you inspected and maintained your house regularly. Keep all bills related to the maintenance of your home to prove that you weren’t negligent in its upkeep.
  2. Have an independent adjuster visit your home. Before making your insurance claim, have an unbiased independent adjuster determine the cause of the problem. If you have the insurance adjuster come first, they may be biased and claim that the damage was from regular wear and tear and/or negligence.  For example, for water damage in your home, an independent adjuster might claim that the water damage is from a busted pipe and the insurance adjuster might claim that the water damage is from a pin leak. A busted pipe would be covered, but a pin leak would not be covered.
  3. Read, understand, and have a copy of your policy. You pay a lot of money for your coverage so it’s worth it to take a few minutes to understand exactly what you’re paying for. You might find something that you thought was covered but isn’t. It might only cost a few dollars to get the coverage you want.
  4. Pay your premiums on time. If you pay your premiums late, your coverage may lapse and you will not be covered.

West Covina Bad Faith Insurance Lawyer, Lem Garcia, Can Help

If you’ve made an insurance claim, but have been wrongfully denied, you need a skilled and qualified attorney to help you get what you deserve. If the insurance company believes they have any reason to deny your claim, they will. Call West Covina lawyer, Lem Garcia, today for a free, no obligation evaluation and consultation today. (626) 337-1111. 

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CALL LEM - Car Accident and Personal Injury Attorney in West Covina

West Covina car accident lawyer, Lem Garcia, represents accident victims of all types: motorcycle accidents, trucking accidents, bicycle accidents, pedestrian accidents, slip and falls, dog bites, product defects, wrongful deaths, serious injuries, contaminated food, and much more. Areas serviced: Azusa, La Puente, Baldwin Park, Diamond Bar, San Dimas, Glendora, Valinda, Arcadia, Pasadena, La Verne, Pomona, Rancho Cucamonga, Walnut, Covina, West Covina, Temple City, El Monte, Rosemead, San Gabriel, San Gabriel Valley, Los Angeles County, Orange County, and much more. I became an attorney to help people. I became a personal injury attorney to help people avoid getting taken advantage of by insurance companies. I want to help you maximize your recovery for your injuries. EDUCATION: Cal Poly Pomona (2000-2004) Western State University College of Law (2008-2011) EMPLOYMENT: I have worked for several different law firms that handle personal injury, employment, immigration, criminal, wrongful death, and sexual harassment, just to name a few. I have also worked as an independent consultant for different banks that must remain confidential. INTERESTS: Running, reading, writing, and watching great movies.