Austin Insurance Law Blog

From an auto insurance claim to business issues and property coverage, there are many different ways in which policyholders are covered. Unfortunately, unexpected challenges can arise, and these situations may pose serious challenges for those who are trying to recover from significant losses. Many people are relieved to know that they were covered when something went wrong, but they may be dismayed to find out that their insurance claim has been denied. Regrettably, there are many consequences associated with denied insurance claims for people in Austin and all across the state of Texas.

If your insurance claim has been denied, you may be struggling with many different hardships. First of all, you could be overwhelmed with uncertainty and stressed out about the entire situation. You may also be facing massive financial difficulties and a denied claim may leave you financially devastated. For example, if an insurance claim is denied you may find yourself in a position where you are considering bankruptcy, cannot move forward with business plans or are no longer able to your bills. For some people, such as those who have kids that are attending college or serious health problems, a denied insurance claim can be especially hard to deal with.

Many health insurance delays are not actually the result of unethical administration by your insurer, so if you find your treatment is not promptly receiving coverage from your insurer, it is a good idea to make a few phone calls first before assuming that your Texas insurance company is intentionally causing trouble for you. Healthcare.com explains who you should contact in the event you experience delays in your health coverage.

First, if you have direct questions about the amount your hospital or doctor has posted for your treatment, it is a good move to call your doctor or contact your hospital to ask about it. It is likely you will first talk to a person who controls the billing in your doctor’s office. If you feel it is necessary, you will probably want to speak to your doctor as well.

Texas state laws require every individual who owns and operates a motor vehicle to carry insurance. When you get in an accident, you expect your insurance company will take care of the damage and your medical bills.

Insurance company adjusters obtain something called a recorded statement after filing a claim, and your answers affect how the insurance company proceeds. What is a recorded statement?

From health to auto insurance, you rely on these coverages when you need them most. Unfortunately, insurance companies frequently deny such claims for a litany of reasons. When it comes to health insurance claims, denials can result from minor transcription errors to using a provider out of your network. 

It is possible to appeal a decision, but it can be an incredibly complicated process. That is why you always want to retain the services of an experienced insurance attorney to assist you through this.