Austin Insurance Law Blog

If you, like many others across Texas, have ever filed an auto insurance claim after a car accident only to receive a denial in response, you probably understand all too well just how infuriating this can be. Expecting to receive a certain amount of money after your accident and then hearing that you will instead receive nothing at all can leave you scrambling to figure out how to make up the difference. You might be remiss, however, to simply accept your insurer’s claim denial without a fight, and there are certain steps you may be able to take to help fight your denial.

Per The Street, you may be especially wise to fight back against your insurer if the accident in question was not your fault, and you receive a claim denial despite fully understanding the terms of your policy. After all, insurance companies are businesses, and at the end of the day, they are out to make a profit – but you do want to make sure that they do not make that profit at your expense. So, what can you do to help argue your side?

If you are a Texas resident who has ever had the unfortunate experience of having your health insurance claim denied, you may know full well just how anxiety-inducing this can be. An unexpected claim denial can leave you facing massive medical bills, leaving you in the hole without knowing how you are going to pull yourself out. Attorney Jon Michael Smith understands how upsetting it can be to have your insurance company deny your claim, and he has helped many clients facing similar circumstances pursue appropriate recourse.

Per Nerdwallet, insurance companies issue many health insurance claim denials for similar reasons, so recognizing factors that commonly lead to claim denials can help you avoid one in the first place. You may hear, for example, that you received a claim denial because you visited an out-of-network medical provider. Typically, insurance companies work with certain providers who have an existing understanding and agreement about billing practices, so check with any medical provider before signing on to make sure it falls within “your network.”

An insurance rider is like a valuable feature added on to an automobile. While all automobiles can carry you from one location to another, you would not settle for just any vehicle from the lot. Instead, you would shop for the Texas automobile that matches whatever standards you are looking for. Similarly, not all long-term disability insurance is alike. One important feature to look for is the riders that the insurer offers along with the policy.

According to the Fox Business website, a rider is an add-on that can be attached to an insurance policy. A rider offers a particular benefit that can be made available to the policyholder in the event of a sudden life changing event. Some riders grant policyholders lump sums in the event they contract critical illnesses, like a stroke or a kidney disorder. These sums can help pay for the cost of treatment. Also, a policyholder who has contracted a terminal disease may have a rider that pays the holder a portion of the policy before the holder dies.

Getting struck by a motorist who does not carry the proper insurance can add more frustration and anger on top of the damage your automobile has sustained. After all, the law requires motorists to carry insurance in the event of an accident, so it feels wrong that the at-fault motorist does not possess insurance to cover your damages. However, Texas drivers do have an available safeguard against uninsured motorists in the form of uninsured motorist coverage.

According to Nerdwallet, uninsured motorist coverage is an additional policy that some insurers offer that covers drivers in the event they are struck by another motorist who does not possess auto insurance. This coverage also may be used if a motorist is the victim of a hit-and-run. If the other party drives away without leaving behind insurance information, uninsured motorist coverage can still cover the damages of the motorist.