Have you been refused coverage or payment on a claim?

Did you receive less than what is fair?

When an insurance policy is ‘in force’, it guarantees that you are covered. In case of loss, you will be compensated under the terms of the policy. Of course, sometimes your insurance company has a different opinion about what and how much is ‘covered’.

About Denial of Insurance

Denial of Insurance can be a failure to pay or pay in full, often regarding:

  • Auto or home insurance – dealing with property damage, liability, and third party insurance companies
  • Medical coverage – denial of coverage or payment
  • Agent or insurance company error – failure to sell, set up or service your policy properly
  • Life and disability insurance – benefit payments denied or lowered
  • Disputed insurance settlements – a low ball offer at a time of crisis may not have to stand

A Denial of Insurance claim allows you to appeal for coverage or full payment.

Insurance Company Obligations

We all know our responsibilities when we take out an insurance policy. We sign that we are truthfully entering into an agreement with the insurer and will pay our premiums. But what are the responsibilities of a licensed insurance agent?

The insurance agent has a fiduciary responsibility towards you. Fiduciary is based on the Latin word for faith and trust. The agent must act with integrity and good faith and disclose everything you need to know.

The insurance company must use honest business practices. They must handle claims in a timely manner and without discrimination.

When an agent or company fails to live up to these standards, there may be a valid Denial of Insurance complaint.

Denial of Insurance is Unfair

A Denial of Insurance claim allows the insured to challenge the insurance company and get what is right.

The insurance company does not always have the final word. Don’t get stuck with huge bills the insurance company should pay. If you have been denied coverage, you need legal representation.

The Bighorn Team knows the law and regulations around insurance. We know the changes that are coming and how and when they will be implemented. We also have a proven track record of fighting and winning on behalf of our clients.

Sthembiso Mbhele & Associates will stand with you against the insurance companies. Contact us today.