If you made a claim for a medically necessary procedure which your insurance company denied, there are two things you should not do: take no for an answer and rush out to get a lawyer.
If your insurance carrier is routinely denying a claim that should be covered, you may be able to file a bad faith insurance lawsuit, but if you run right out and get a lawyer, the insurance company may be able to label you as acting in bad faith, hurting your chances of receiving any compensation whatsoever. This is not to discourage you from getting a free consultation with a bad faith insurance lawyer to learn the specifics that may govern any lawsuit, especially statutes of limitations, your first step in pursuing your claim should be to ask the insurance company to reconsider. Depending on your insurance company and your state’s laws, you may have to file a formal grievance, but you should be able to get the insurance company to approve your claim.
Then, in most states, you can ask for an independent review of your claim by an external body. Insurance companies are regulated by the states, and most states have a review process in place to make sure that insurance companies are living up to their obligations. This process can take a while, so be sure you have consulted with a bad faith insurance lawyer to make sure you are not limiting your options as far as filing a lawsuit.
Once you have gone through the review process, it is time to file your bad faith insurance lawsuit. If your denial is determined to be egregious, you may be able to get significant punitive damages against the insurance carrier that will hopefully persuade the carrier to be less grudging in granting the claims of others.
If you have been denied a claim by your insurance company, contact an Oklahoma City bad faith insurance lawyer at Carr & Carr, Attorneys at Law today for a free initial consultation.
