Insurance Companies

Delays by insurance companies

When people suffer injury as a result of insurance companies delaying or refusing procedures

It is a commonly known fact that insurance companies are not really your ‘best friends’. Yes, they may advertise themselves nicely and speak in a friendly manner to you on the phone, but when push comes to shove they aren’t on your side. As a result of this, you have to understand that the insurance companies have many dirty tricks up their sleeves which will either delay or refuse claims for procedures. As a result of this, they will be able to boost up their bottom line and not have to pay you anything. This can lead to further injury, and constitutes a legal violation especially when your claim was completely valid. Consulting a lawyer in such a case is ideal as only they can let you know whether you should be attempting a legal remedy or not.

Refusal or denial often happens in the case of insurance companies who do not really wish to pay you anything. Your claim can be completely valid and still be denied by the company. They may not directly say so. Instead, they will tell you that your ‘file is closed’. You will either settle for a very low amount or, because of lack of information, may take it for granted when your case is not really closed. The insurance companies often comes with different conclusions of its own, often transferring the fault upon your shoulders so that the claim can be denied. The most common insurance malpractices are seen in long term care contracts when the claim is delayed until the death of the policyholder. This can cause significant injuries to the policyholder. Of course, not paying money is equal to earning profits. So they would either deny the claim altogether or just wait long enough so that the policyholder either gives up or dies.

Though they are quite habitual about denying and delaying claims, the insurance companies are quite proactive when it comes to registering them. Even enquiry calls are treated as claims. There is no doubt that malpractice and fraud has become commonplace in the insurance sector. Your best refuge would be to talk to a good lawyer and lay out everything before him. It will help you in making claims and will also be the first step in making sure that you get to fight against a denial or delay. It can constitute a case of breach of trust or a case of bad faith. You need to be suitably paid for the injuries (both physical as well as mental) that you have had to suffer.

Don’t delay yourself in getting the treatment you do deserve: from us. We are on your side. Contact MedMal Patient Advocacy now so we can help you get started working to establish a case, with a free consultation.