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Steps to take if your insurance claim has been rejected

The process of claiming your insurance is difficult and, without the right help it could feel like there’s nobody else to stand up for your rights. If your claim was denied, don’t be discouraged; there are ways to be done to overturn the decision or get back to your feet with other options. Here we look at the actions you can take to deal with a claim that has been rejected.

Be sure that you’ve made the right choice

If you believe your claim was in error, you are able to contest the decision. First, you must determine why your claim was denied by your insurance company. If you do not think their reasoning was valid You have the right to file a complaint.

Examine the policy documents that were issued when you took out the insurance. Take note the language, including any words or phrases that are unclear or susceptible to interpretation. Also, you should review the information you were required to supply in the process of taking off the insurance. If your complaint was denied based on details you were not asked about at the time you filled it out then you’re on solid basis to challenge the decision.

Did you know? Resolute Claims can help you with a declined life insurance claim.

Examine any documents you think could be helpful and prepare yourself with all the information of dates, figures and dates that you will need to prove your argument. It is possible that there was a cross-over of wires or some miscommunication that can be clarified when you examination. If the claim is technical, you can look into hiring a loss appraiser to make an independent evaluation of the damages. If you’re still not getting an acceptable result You can submit complaints to Financial Ombudsman Service.

The Financial Ombudsman Service is a free, independent service that examines financial disputes. They examine both sides of the inquiry and evaluate the evidence from an objective perspective and then issue their own verdict in light of their findings. Should they decide that Financial Ombudsman Service uphold your claim, your insurance provider is then required to follow the decision.

Make sure you know your timings

If you decide to refer your case in the direction of the Financial Ombudsman Service, you must do so within six months after receiving the insurer’s final response. If you wait further, they will not be able to consider your case unless they consider it an exceptional situation, or the response you received is not valid or the insurer consents to be involved regardless of the limitation.

If you’re not sure about the exact date, you can go through the last communication that was sent to you by your insurance company. The date that appears on the letter will indicate the date of the deadline of 6 months.

Speak to an attorney

If you want to complain with the Financial Ombudsman Service, there’s no requirement to use an unrelated third-party service or solicitor. Numerous companies boast of being able to challenge any rejected claim on a ‘no win, no fee’ basis. However, it is the Financial Ombudsman Service wants to take the complaint into your own words. In many instances it is the case that involving a third party could create an unnecessary obstruction to contact, causing delays in the process and often leads to them giving false or general information that stops the service from obtaining the truth.

It is possible to get assistance and advice for free through Citizens Advice Bureau. Citizens Advice Bureau and there’s no harm in seeking advice from a friend with experience in this subject.

Get help from other areas

Some people find that a denied insurance claim may be an inconvenience but not life-threatening. However, for others, it could be the end of your business or cause a significant financial strain on your financial situation. If you’re experiencing financial hardships as a result of the denial of your claim, be sure that you speak with Citizens Advice Bureau. Citizens Advice Bureau to discuss methods to manage loan payments and pay bills, be up-to-date on rent and mortgage payment and much more.