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Denied Insurance Claim? Here’s What You Should Do

Denied Insurance Claim? Here’s What You Should DoSteps To Take After Your Denied Insurance Claim

 

Insurance companies charge you premiums to make a profit. Every time they pay a claim, that profit drops. Thus, insurance companies do everything in their power to delay or deny claims. If your denied insurance claim was valid, here’s what you need to do after receiving your denial letter.

 

Identify the Cause of the Denial

 

When an insurance company denies your claim, it must give reasoning. The reasoning is typically included in the denial letter. Finding out why your claim was denied is the first step to getting the compensation you deserve. Insurance companies deny claims for many reasons, but the most common reasons are:

 

Disputed Liability

 

Depending on the policy, the insurance company will deny a claim if the policyholder was not at fault.

It’s common for insurance companies to try to deny liability, so they don’t have to pay the claim. The good news is you will typically be given a chance to appeal the denied insurance claim.

 

If the insurance company is disputing liability, you need to consult with an attorney. Because this is a commonly used tactic to deny claims, you will need a seasoned personal injury claim attorney to prove liability so you can be compensated. To prove liability, you will need to gather evidence such as a crash or police reports and medical records.

 

Policy Exclusions

 

In some cases, insurance companies will deny claims because of policy exclusions. Insurance policies generally don’t cover intentional acts, acts of God, or some natural disasters. If any of these elements were involved in your accident, you might not be covered.

Lapse in Policy

 

The other most common reason for a claim denial is a lapse in the policy, which happens when the policyholder fails to pay the premium.

 

Facing a denied insurance claim can be frustrating and leave you feeling outnumbered. Insurance companies are motivated to deny your claim to save them money, which is why it’s so important to work with an experienced Arlington Heights car accident claim lawyer when filing a claim. A good attorney can help you appeal your denial and get your valid claim paid.

 

If you need help with an insurance claim, Arlington Heights personal injury attorney Ronald F. Wittmeyer can help. With more than 30 years experience practicing plaintiffs’ personal injury law, we can fight aggressively on your behalf. Serving the Northwest suburbs including Arlington Heights, Buffalo Grove, Palatine, and surrounding areas, the Law Offices of R.F. Wittmeyer, Ltd. helps level the playing field against major insurance companies and corporations. If you’ve been injured or involved in an accident, call our office at (847) 357-0403 or fill out our online form to schedule a free consultation with one of our highly qualified Arlington Heights personal injury attorneys. The sooner we can learn about your case and your needs, the more effective we can be at recovering fair and adequate compensation for your losses.

 

The Risks of Using Social Media When Filing an Insurance Claim

The Risks of Using Social Media When Filing an Insurance ClaimPosting in Private

 

Social media is a great way to share the details of your life with your friends and family. But social media is not suitable for sharing information about an accident or insurance claim. Insurance companies are increasingly turning to technology to investigate claims. Part of this effort is looking to social media to find information about claimants. But they aren’t using that information for your benefit; they’re using it to increase their profits.

 

Can They Do That?

 

Insurance companies are within their right to check claimants’ public social media accounts like Facebook, Instagram, and Twitter. But they aren’t interested in pictures of your pets and what you had for dinner. They want to find information they can use to deny your claim. How do they do this? I’m glad you asked because understanding their tactics is the key to protecting your rights.

 

What Are They Looking For?

 

Insurance companies will do anything to find evidence and information about your life to disprove what you tell them. For example, if you told the insurance company you experienced significant pain for weeks after your accident, the claims investigator might turn to your social media pages to find information to the contrary. If your posts show you going out with friends or having a good time, they might say you couldn’t possibly have been in great pain.

 

Similarly, some claimants have been caught talking about the details of their claims on social media, accidentally revealing bits of information that the insurance companies can use to deny their claim. It happens all the time. Claims investigators have even accused claimants of insurance fraud based on poorly thought out social media posts.

 

Why It’s Not Fair

 

But there is an inherent problem in this tactic: a problem insurance companies don’t always acknowledge. People are more likely to downplay the negative in their life on social media. Typically, we post about positive things and keep the negative components of our personal lives private. Furthermore, many of us don’t take social media so seriously that we overthink the consequences of what we’re saying. It’s supposed to be fun and informal! But insurance companies will stop at nothing to use our words against us to devalue or deny claims.

 

You should always be on guard when dealing with insurance companies. Don’t assume your private life is private. It’s a good idea to abstain from posting about your accident or claim and consider whether insurance investigators could misinterpret your posts. If you want to learn more about what you should do to protect your rights and your claim, consult with an experienced Illinois personal injury attorney in your area. An attorney can help you avoid common insurance claim mistakes.

 

If you need help with an insurance claim, Arlington Heights personal injury attorney Ronald F. Wittmeyer can help. With more than 30 years experience practicing plaintiffs’ personal injury law, we can fight aggressively on your behalf. Serving the Northwest suburbs including Arlington Heights, Buffalo Grove, Palatine, and surrounding areas, the Law Offices of R.F. Wittmeyer, Ltd. helps level the playing field against major insurance companies and corporations. If you’ve been injured or involved in an accident, call our office at (847) 357-0403 or fill out our online form to schedule a free consultation with one of our highly qualified Arlington Heights personal injury attorneys. The sooner we can learn about your case and your needs, the more effective we can be at recovering fair and adequate compensation for your losses.

Filing an Insurance Claim for a Home Health Aide

Filing an Insurance Claim for a Home Health AideFollowing an accident or injury, many people need extra help caring for themselves. Some have family members who’re available to provide that support. But many need the assistance of a home health aide.

 

When You Need Extra Help

 

Health insurance sometimes covers the cost of home health aides, but you may have high co-pays or only be reimbursed for a portion of the expense. If you have a personal injury claim, you may be able to have insurance pay for the home health aide. If you need extra help while you recover, here’s what you should know about filing a claim for a home health aide.

 

Compensation for Your Losses

 

Personal injury claims can cover a variety of damages such as medical bills, lost wages, and pain and suffering. Medical bills can include anything from emergency room visits to therapy to the cost of orthotic devices. Generally speaking, if your doctor says you need a particular treatment or therapy to recover from your injuries, you can ask for compensation for those costs.

 

A home health aide is someone who comes to your home if you are unable to leave and helps you with things like therapy exercises, administering medications, and self-care.

 

Whether or not the insurance company will compensate you for the costs of a home health aide will depend on the extent of your injuries, the treatment regimen your doctor prescribed, and whether you need an aide to help you.

 

Insurance Claims

 

In some cases, insurance companies will pay for home health aides if it means they do not have to pay for you to be in an inpatient setting. The costs of a hospital room or inpatient rehabilitation clinic are far more than the cost of a home health aide. In others, the insurance company might fight such a claim to compensation if it believes you do not need an aide to follow your specific treatment regime.

 

If your auto insurance policy doesn’t cover a home health aide, speak with an experienced Illinois personal injury attorney. An attorney can explain your right to compensation and help you work with the insurance company to get you the help you need to recover.

 

If you’ve been in an accident, Arlington Heights personal injury attorney Ronald F. Wittmeyer can help. With more than 30 years experience practicing plaintiffs’ personal injury law, we can fight aggressively on your behalf. Serving the Northwest suburbs including Arlington Heights, Buffalo Grove, Palatine, and surrounding areas, the Law Offices of R.F. Wittmeyer, Ltd. helps level the playing field against major insurance companies and corporations. If you’ve been injured or involved in an accident, call our office at (847) 357-0403 or fill out our online form to schedule a free consultation with one of our highly qualified Arlington Heights personal injury attorneys. The sooner we can learn about your case and your needs, the more effective we can be at recovering fair and adequate compensation for your losses.

 

 

 

 

 

 

 

How do Preexisting Injuries Affect Personal Injury Claims?

How do Preexisting Injuries Affect Personal Injury Claims?Insurance companies are always looking for ways to minimize your claim. Companies will try to parse out every detail of your claim that could mitigate their liability and therefore your claim payout. One of the most common ways they will do this is by looking for proof of preexisting injuries when reviewing your medical records.

If you seek compensation for injuries sustained in a car accident, for example, and had a prior back injury, the insurance company will probably argue it is not liable for all your medical bills as they were incurred—in part—because of your previous injury.

How Preexisting Injuries Affect Claims

The insurance company might still have to pay your claim if you have a preexisting injury. If the liable party’s actions were the proximate cause of your injuries, you have a right to compensation. But insurance companies routinely use evidence of preexisting injuries to claim they do not have to compensate you fully for your medical bills. You should be cautious whenever speaking with insurance companies after an accident if you have preexisting injuries.

To receive fair compensation for your losses, you will need to provide medical records. But the insurance company doesn’t have a right to see all of your medical records. They will ask you to sign a release that gives them the right to ask your providers for records directly. The records the medical provider hands over are typically more detailed than the ones you may have access to. The company will then search through those complete records for a reason to minimize your claim.

Releasing Records

When asked to sign a release, make sure you are only giving them access to relevant medical records. You can specify in the release what specific records—typically those created after your accident—and from what providers. This reduces the chance the insurance company will find anything in your records that could minimize your claim. But be honest. Your provider may have records of your previous injuries and could even include information about them in your full medical records. They have a right to do this, and if you fail to disclose any information requested, the insurance company could use that to deny your claim outright.

Minimizing Your Claim

If you aren’t sure whether you should sign a release, you should speak with an attorney before doing so. A knowledgeable Illinois personal injury attorney can advise you on what records you should release and what records are irrelevant. It’s best to let an attorney read through the release to make sure your rights are protected, and you don’t release anything that could compromise your claim.

 

If you have been injured in an accident and have a preexisting injury, Arlington Heights personal injury attorney Ronald F. Wittmeyer can help. With more than 30 years experience practicing plaintiffs’ personal injury law, we can fight aggressively on your behalf. Serving the Northwest suburbs including Arlington Heights, Buffalo Grove, Palatine, and surrounding areas, the Law Offices of R.F. Wittmeyer, Ltd. helps level the playing field against major insurance companies and corporations. If you’ve been injured or involved in an accident, call our office at (847) 357-0403 or fill out our online form to schedule a free consultation with one of our highly qualified Arlington Heights personal injury attorneys. The sooner we can learn about your case and your needs, the more effective we can be at recovering fair and adequate compensation for your losses.

 

 

Knowing When to Settle and When to File Suit

Knowing When to Settle and When to File SuitFiling an insurance claim is like playing a game. And, when out on the field, it helps to know the playbook. Knowing when to settle your claim and when you should file suit is one of the most important strategies you can master. But choose your strategy wisely to ensure you receive fair compensation as soon as possible with as little expense as possible.

When to Settle

The majority of insurance claims are settled out of court. Typically, the parties involved—the plaintiff and the insurance company—can come to a settlement agreement. Reaching an agreement saves both the time and cost of litigation. Cases most likely to settle successfully are those where liability is clear, and the damages are undisputed. Likewise, low-value claims and those involving minor injuries are rarely worth the hassle of a trial.

When to File a Law Suit

You can face many barriers to settling an insurance claim. Sometimes it is necessary to file suit if you’ve tried to settle, but the insurance company will not offer fair compensation. Consider filing suit if the insurance company is denying liability, disputing your losses, or is firm on a lowball settlement offer. You can still attempt to settle after you commence litigation and before trial. Keep in mind you may or may not have the same bargaining power at that point.

A Note of Caution

The only good time to settle or file suit is after you’ve treated your injuries to the fullest extent. Once you receive compensation, you are responsible for all future medical bills, so make sure you have a good idea of your future expenses before you even think about resolving your case.

Playing the Game

Filing suit can be costly and involves the court. It can also significantly prolong your case. You should never file suit unless you cannot settle for fair compensation. Don’t let the insurance adjuster pressure you into signing a settlement agreement. If you don’t know whether you should file suit or try to settle in your case, speak with an attorney. Working with an experienced Illinois personal injury attorney can ensure you receive fair compensation, no matter the route you have to take.

 

If you’ve recently been injured and need help with your insurance claim, Arlington Heights personal injury attorney Ronald F. Wittmeyer can help. With more than 30 years experience practicing plaintiffs’ personal injury law, we can fight aggressively on your behalf. Serving the Northwest suburbs including Arlington Heights, Buffalo Grove, Palatine, and surrounding areas, the Law Offices of R.F. Wittmeyer, Ltd. helps level the playing field against major insurance companies and corporations. If you’ve been injured or involved in an accident, call our office at (847) 357-0403 or fill out our online form to schedule a free consultation with one of our highly qualified Arlington Heights personal injury attorneys. The sooner we can learn about your case and your needs, the more effective we can be at recovering fair and adequate compensation for your losses.

 

Preparing to Fight: Battling Big Insurance

Preparing to Fight: Battling Big InsuranceIf you’ve been involved in an accident, you will most likely have to file an insurance claim if you want compensation for your losses. Whether it’s with your insurance company or the other driver’s, you should remember that insurance companies are businesses that want to make a profit. They will try everything in their power to deny legitimate claims and minimize claim payouts. That’s their business model, and it’s nothing personal.

 

When dealing with Big Insurance, you might feel like you are up against impossible odds fighting for the compensation you deserve. Filing a claim after an accident shouldn’t be frustrating, but it often is. Adjusters have an arsenal of techniques used to deny, delay, or minimize claims. They may immediately deny liability or try to get you to say or sign something that would undermine your claim or absolve them of liability.

 

To fight these tactics, following these tips:

 

Never sign a release or accept a check from an insurance company without speaking with an attorney first. By signing a release or cashing a check, you are releasing the insurance company from further liability. If you have lingering symptoms and need more medical treatment after that point, you cannot ask the company to pay for it.

 

Don’t provide a recorded statement regarding the accident until you’ve spoken with an attorney. What you say can compromise your claim.

 

Wait until you have healed from all your injuries—to the extent that you can—before you consider settling your claim. The insurance company might pressure you to settle before you have healed or have been properly treated. Although you might need the money to pay your bills, you could be cheating yourself out of your rightful compensation. Seek medical care as soon as you need it, and follow your doctor’s orders carefully.

 

Perhaps most importantly, you should consult with a personal injury attorney to determine whether you need legal representation or if you can handle your claim on your own. But if you have serious injuries or injuries that will require lengthy treatment to heal or if the insurance company is disputing liability, an attorney might be able to help you.

 

If you’ve been injured as a result of someone else’s negligence, you don’t have to let Big Insurance take advantage of you. Becoming aware of the industry tactics insurance companies may use to minimize your claim and knowing how to undermine those efforts is half the battle. If you’ve been injured and are seeking fair compensation for your losses, you should speak with an experienced Arlington Heights area personal injury attorney. An attorney can coach you on how to handle your claim while protecting your interests, so you can receive all the compensation you deserve.

 

Getting the compensation you deserve shouldn’t be a battle, and Arlington Heights personal injury attorney Ronald F. Wittmeyer understands how you feel. With more than 30 years experience practicing plaintiffs’ personal injury law, we can fight aggressively on your behalf. Serving the Northwest suburbs including Arlington Heights, Buffalo Grove, Palatine, and surrounding areas, the Law Offices of R.F. Wittmeyer, Ltd. helps level the playing field against major insurance companies and corporations. If you’ve been injured or involved in an accident, call our office at (847) 357-0403 or fill out our online form to schedule a free consultation with one of our highly qualified Arlington Heights personal injury attorneys. The sooner we can learn about your case and your needs, the more effective we can be at recovering fair and adequate compensation for your losses.

 

 

 

About the Firm


Ronald F. Wittmeyer, Jr. practices plaintiffs' personal injury law at his office in Arlington Heights, Illinois.

About Ron

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