When You’re Injured and Insurance Won’t Pay

When You’re Injured and Insurance Won’t Pay

You trust your insurance company to pay out on claims for medical costs should you be injured either in your home or while driving. After all, that’s why you have insurance in the first place. Sometimes your company will be slow in paying. Or they’ll offer you far less than what you claim or even refuse to pay at all. Here are some steps you can take to remedy this.

Stay Calm

Your anger is understandable, but stay cool when communicating with your insurance company. The key is to remain graceful and calm and never give up. If you lose control, they win.

Review Your Policy

Read your insurance policy carefully, taking notes to make sure you understand everything. It’s crucial to know the ins and outs of how your insurance company operates and how it prefers a claim to be filed. You need to be clear about what your policy covers and how long it takes for your company to process a claim.

After this, you may want to hire an attorney to facilitate the next step. Contact personal injury law firm Hillsborough County for professional representation.

Save All Records

A thorough paper trail is everything, especially when you need to prove you did indeed suffer an injury and you truly did run up those costly medical bills. Keep track of all communications between you and the insurance company. Detailed records help your case should you have to go to court.

Contact the State Insurance Board

If you’ve tried reasoning with your insurance company and they still won’t pay, you can and should contact your state’s department of insurance. The purpose of this agency is to protect citizens through the regulation of insurance companies. A state regulator’s job is to listen to complaints from consumers like you and work out a resolution. If you’re running into frustrations, engage the help of a state regulator to help your case move forward.

Hang in There

It’s infuriating when an insurance company you trusted is behaving in a less than ethical manner. The sad truth is they may be counting on you to give up, so don’t. No one else cares about your case the way you do, so keep fighting in a polite way.

By following these steps, you will reach a resolution and get the compensation you need to pay your medical bills for the help you need to fully recover from your injuries.

Harold N. Hatcher

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