If you are a private insurance policyholder in Florida, you have a right to file a valid claim should you need insurance benefits for a specific purpose related to your policy - e.g., a car accident, flood or theft. But if you have a claim that's denied, you have a legal right to attempt to collect payments you believe you are entitled to receive. This process involves filing a breach of contract claim against your insurance company. Before this step is taken, however, many insurance policies and state insurance laws require policyholders to make a demand for payment directly to the insurance company.
If you skip the demand for payment step, you may not be able to take additional actions related to denied private disability claims in the future. This is why it's best to review your insurance contract to understand the provisions that apply to your situation. It's not unusual for claims to be initially denied simply because the required documents weren't submitted, or deadlines were missed. In situations like this, denials may be overturned once the correct information is given to the insurance company.
It's entirely possible that your claim could be denied for a valid reason. However, some private insurance companies use questionable tactics to deny benefits. For instance, you might be contacted quickly after sustaining an injury with a settlement offer for a smaller amount, or you may be asked to sign documents that could make it difficult or impossible to file a claim if your injuries turn out to be more serious than originally thought. Some insurers count on you not knowing about these tactics.
We provide access to comprehensive legal assistance for individuals dealing with insurance claim issues, including denials. An attorney will take the time to assess your situation and recommend appropriate options while also being mindful of important deadlines and appeal requirements. If you want to learn more about denied private disability claims, visit our page on this topic.