What
can I do when an insurance company refuses to pay a claim?
In some instances an
insurance company will refuse to pay a claim submitted by its
policyholder. This is often referred to as "denying" the claim.
The claim may be denied, for example, because the company has determined
that the loss is not a type that is "covered" by the terms of
the insurance policy or that the person who suffered the loss is not an
"insured" for purposes of the policy or that a policyholder
engaged in some type of misconduct which "voided" the coverage.
Because of the complexity of insurance policies and because the resolution
of coverage disputes often depends on careful analysis of the unique facts
and circumstances of each case in light of applicable state law, the
assistance of an attorney experienced in the handling of insurance
coverage matters is strongly advised.
