Did Your Insurer Deny Your Claim? We’ll Fight For You.

You have insurance for a reason. It’s supposed to provide you with coverage in a medical emergency, after a car accident or when your home suffers damage from a natural disaster. So, when you file a claim with the insurance company and they outright deny it, it can feel like a betrayal. At MGW Law, we know how devastating a claim denial can be and why insurance companies do this. In many cases, denying your claim outright may be an act of bad faith. With our 50 combined years of experience on both sides of the insurance industry, we can challenge your denied claim to help you seek the payout you deserve.

Challenging Your Denial Begins With Understanding Your Policy

If you wish to challenge your claim denial in a Wisconsin court, it’s crucial to have a thorough understanding of your policy. We can assist you in locating and interpreting relevant policy provisions that contradict your claim rejection. If exclusions and limitations are cited, we can determine whether they apply to your claim. If you need complete policy documentation, we can help you request it from your insurer.

When Claims Denials May Be An Act Of Bad Faith

Insurers have no shortage of reasons for rejecting your claim. However, you may be dealing with an unreasonable claim denial if you notice certain red flags in the denial letter. They can include:

• Vague explanations for your denial
• Reliance on questionable policy interpretations
• Citing irrelevant policy exclusions

We can help you differentiate between legitimate and questionable denials and identify signs of potential bad faith.

How To Respond To A Denied Claim

If you receive a claim rejection letter from your insurance company, take the following steps:

1. Request an explanation: You can ask the insurance company to provide you with a detailed written explanation of why it denied your claim.
2. Gather relevant documents: These can include everything from insurance policy provisions, communications with your insurer, photographs and medical records.
3. File an appeal: With the help of an attorney, you can appeal your claim denial. We can walk you through each step of the process to ensure that you present a strong and compelling case for your appeal.

Organizing documentation is key in building a strong appeal. We can assist you in obtaining independent evaluations or expert opinions and drafting an effective appeal letter. Our attorneys will address each reason for denial with specific evidence and use insurance industry standards to bolster your position.

If They Deny Your Appeal, There’s Still Hope

Not every appeal is successful. However, even if your appeal gets denied, there are still avenues for you to seek compensation. Our lawyers can help you understand your alternatives, evaluate the strength of a potential lawsuit and consider alternative dispute resolution (ADR) possibilities.

To learn more about what we can do for you, schedule an initial consultation today. You can do so by calling us at 920-383-3911 or completing our online contact form. While based in Manitowoc, we take cases from across Wisconsin.