Making Sure Your Insurance Claim Isn't Refused
Insurance policies are crucial for many things
. Whether it's health insurance, home insurance, legal insurance, or any other type. It's a protection you have against something. If you get sick, and you need to pay thousands of dollars to get better, you may not have that money on hand right at that moment, and it's quite important that you can afford to pay for health care. The same thing is true for home insurance, where if your home burns down, you may be left in the street, with nothing in your name. Insurance allows you to get back on your feet quickly. Unfortunately, insurance companies are quick to sell you a policy, but slow to pay up. There's many things that can slow down a claim, and make it so they deny you completely. Here's how to make sure your insurance claim isn't refused.First, you have to understand that insurance companies make money by selling policies to millions of people, and paying benefits to very few. The least amount of claims they get, the better it is for their bottom line. As any other corporation, profit is what matters most for them. So it's important that these profits don't come from your own back. There are things you can do to ensure the claim has less chances of being contested, and ways to deal with the company that will also ensure a favorable outcome. Don't forget that even if you have done nothing wrong, simple omission, or bad luck, can mean you're out of luck with the insurance company.
The first thing to do is making sure your contract is very clear, and completely factual. This is the number one thing that the companies will look at when trying to deny your claim. Even simple things must be perfect. If you wrote in an area of the document that said not to write, that's bad. If you wrote your height and it's slightly off, that's bad as well. Lies are even worse, and don't think they can't find out. If you're requesting thousands of dollars, or even millions, they will go to great lengths to find out if you told the truth. If the policy asked if you ever had a disease, you're better off writing down every disease you've ever had, even small ones.
Then, taking clear, irrefutable evidence is also very important. If you have a health insurance policy, make sure to keep written reports of your health status, that way if you ever claim for a new disease, they can't say that you in fact had it prior to you taking on the policy. For a home owner insurance, take pictures or videos of your possessions. That way, if the house burns down, and you claim you had a brand new LCD TV, they won't be able to deny it if you bring them a picture of it, along with the sales recipe. Otherwise, you have no way to prove that you indeed that this TV.
The take away is that insurance companies are not on your side, they are there to make money. You need to protect yourself as much as possible by being truthful, documenting everything, and making sure there are no hole in your story. That way, if the day comes when you need to make a claim, you won't be denied.
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