{"id":17803,"date":"2014-02-04T11:39:34","date_gmt":"2014-02-04T19:39:34","guid":{"rendered":"https:\/\/pdxinjurylaw.com\/?p=17803"},"modified":"2022-06-20T17:43:11","modified_gmt":"2022-06-20T17:43:11","slug":"insurance-claim-denied","status":"publish","type":"post","link":"https:\/\/pdxinjurylaw.com\/es\/insurance-claim-denied\/","title":{"rendered":"Qu\u00e9 hacer cuando le deniegan la reclamaci\u00f3n al seguro"},"content":{"rendered":"<p style=\"text-align: left;\" align=\"center\">Una mala situaci\u00f3n acaba de empeorar. Estabas conduciendo tu coche a casa despu\u00e9s del trabajo y te viste involucrado en un accidente en el centro de Portland. Tuviste que ir al doctor uno o dos d\u00edas despu\u00e9s, porque estabas lesionado. Signific\u00f3 que faltaste un par de d\u00edas al trabajo; no te pagaron y tu jefe todav\u00eda no est\u00e1 contento.<\/p>\n<p style=\"text-align: left;\" align=\"center\">Y ahora recibes una carta de la compa\u00f1\u00eda de seguros que dice: \u201cLo sentimos, pero su reclamo ha sido denegado\u201d, junto con una explicaci\u00f3n confusa, llena de jerga legal y citas de cl\u00e1usulas de su p\u00f3liza que nunca ha le\u00eddo. \u00bfQu\u00e9 hacer? Lo primero a considerar es\u00a0<strong>contactar a<\/strong> <a href=\"\/es\/portland-personal-injury-lawyer\/\">Portland abogado de lesiones<\/a>. Y no entres en p\u00e1nico.<\/p>\n<p style=\"text-align: left;\">Las compa\u00f1\u00edas de seguros tienen un inter\u00e9s personal en negar las reclamaciones. Esto no significa que sean deshonestas, pero un abogado de seguros de Oreg\u00f3n te dir\u00e1 que las compa\u00f1\u00edas de seguros solo tienen que encontrar un \u00e1rea peque\u00f1a de duda en tu reclamaci\u00f3n para emitir una denegaci\u00f3n. <!--more--><\/p>\n<p style=\"text-align: left;\">Este es un punto de partida, sin embargo, y es importante no ceder demasiado f\u00e1cilmente, como hacen muchas personas. Si tiene un abogado de seguros de Oreg\u00f3n peleando su caso, la compa\u00f1\u00eda de seguros probablemente se volver\u00e1 mucho m\u00e1s razonable y mucho m\u00e1s r\u00e1pido.<\/p>\n<p style=\"text-align: left;\"><strong><em>\u00bfPor qu\u00e9 negar mi reclamo por lesiones en Portland en primer lugar?<\/em><\/strong><\/p>\n<p style=\"text-align: left;\">No se necesita mucho para que una compa\u00f1\u00eda de seguros rechace un reclamo, pero lo m\u00e1s\u00a0<a href=\"http:\/\/insurance.freeadvice.com\/information\/auto\/article\/64\" target=\"_blank\" rel=\"nofollow noopener\">razones comunes de negaci\u00f3n de reclamos<\/a>\u00a0incluir:<\/p>\n<ul style=\"text-align: left;\">\n<li>Tienes el tipo de cobertura incorrecto en tu coche para la reclamaci\u00f3n presentada. Si solo tienes cobertura de responsabilidad civil y no de colisi\u00f3n, tu reclamaci\u00f3n podr\u00eda ser denegada.<\/li>\n<li>Presentaste un reclamo por conductor no asegurado, pero la otra parte en realidad ten\u00eda seguro.<\/li>\n<li>No eres un conductor designado en la p\u00f3liza. Esto se aplica principalmente a los adolescentes que conducen los autos de sus padres, o a amigos que conducen los autos de otros amigos.<\/li>\n<li>No pagaste tu prima a tiempo. Si el per\u00edodo de gracia ha expirado incluso por cinco minutos, las compa\u00f1\u00edas de seguros lo usar\u00e1n como una \u201csalida\u201d.\u201d<\/li>\n<li>La cantidad de tu reclamaci\u00f3n excede los l\u00edmites de tu p\u00f3liza. En este caso, la compa\u00f1\u00eda de seguros normalmente se negar\u00e1 a cubrir el excedente, pero la reclamaci\u00f3n completa podr\u00eda ser denegada.<\/li>\n<li>Compraste un coche nuevo\/diferente y no informaste a la compa\u00f1\u00eda de seguros dentro del plazo establecido.<\/li>\n<\/ul>\n<p style=\"text-align: left;\"><strong><em>\u00bfC\u00f3mo puedo impugnar su decisi\u00f3n? \u00bfNecesito un abogado de seguros?<\/em><\/strong><\/p>\n<p style=\"text-align: left;\">Escr\u00edbele de inmediato a la compa\u00f1\u00eda de seguros y expl\u00edcales por qu\u00e9 crees que tu reclamo es v\u00e1lido y por qu\u00e9 sus razones no lo son. Env\u00eda tanta documentaci\u00f3n como puedas encontrar para respaldar tu reclamo. Si est\u00e1s tratando con una compa\u00f1\u00eda de seguros de buena reputaci\u00f3n, con suerte te har\u00e1n una oferta de liquidaci\u00f3n justa. Si un respetado abogado de seguros de Oreg\u00f3n toma tu caso, \u00e9l puede redactar esta carta por ti y asegurarse de que la compa\u00f1\u00eda de seguros cumpla con los acuerdos de la p\u00f3liza.<\/p>\n<p style=\"text-align: left;\">Si a\u00fan no recibe una respuesta satisfactoria, existen otras v\u00edas abiertas para usted. Una vez m\u00e1s, puede decidir actuar por su cuenta o hacerse cargo de ello un abogado de seguros con experiencia en Oreg\u00f3n. Puede optar por:<\/p>\n<ul style=\"text-align: left;\">\n<li>Apelar la decisi\u00f3n de la compa\u00f1\u00eda de seguros ante el Comisionado de Seguros del Estado de Oreg\u00f3n.<\/li>\n<li>Contrarrestar el mal con mal. Presenta una demanda por mala fe contra la compa\u00f1\u00eda de seguros; haz que rindan cuentas por incumplimiento de conducta y posibles violaciones de los c\u00f3digos de seguros del estado de Oreg\u00f3n. Si decides presentar una demanda, definitivamente necesitar\u00e1s la ayuda de un buen abogado de seguros de Oreg\u00f3n.<\/li>\n<li>Demanda al conductor responsable. Si otra persona caus\u00f3 el accidente y su compa\u00f1\u00eda de seguros es\u00a0<em>retrasando\u00a0<\/em>tu asentamiento, no es lo mismo que\u00a0<em>negando<\/em>\u00a0tu reclamaci\u00f3n. Una vez m\u00e1s, un buen abogado de seguros de Oregon agilizar\u00e1 el proceso y negociar\u00e1 un acuerdo en tu nombre o presentar\u00e1 una demanda contra el otro conductor.<\/li>\n<\/ul>\n<p style=\"text-align: left;\">Que tu reclamaci\u00f3n de seguro sea negada puede ser una experiencia frustrante y molesta. Las compa\u00f1\u00edas de seguros est\u00e1n obligadas por ley en Oreg\u00f3n a actuar de buena fe, y el incumplimiento de esto podr\u00eda exponerlas a m\u00faltiples cargos, publicidad negativa y grandes costos. Si sientes que tu reclamaci\u00f3n es justa, no tengas miedo de enfrentarte a la compa\u00f1\u00eda de seguros t\u00fa mismo, o de contratar a un <a href=\"\/es\/practice-areas\/portland-car-accident-lawyers\/\">Abogado de accidentes de Portland<\/a> para hacerlo por ti. No te rindas despu\u00e9s de recibir una carta negando tu reclamo. Conoce tus derechos y lucha por ellos.<\/p>","protected":false},"excerpt":{"rendered":"<p>Una mala situaci\u00f3n acaba de empeorar. Conduc\u00edas tu coche de vuelta del trabajo y te has visto implicado en un accidente en el centro de Portland. Tuviste que ir al m\u00e9dico uno o dos d\u00edas despu\u00e9s, porque estabas lesionado. Te perdiste un par de d\u00edas de trabajo, no te pagaron y tu jefe... <a class=\"fancy_link\" href=\"https:\/\/pdxinjurylaw.com\/es\/insurance-claim-denied\/\">leer m\u00e1s<\/a><\/p>","protected":false},"author":7,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_content_optimizer_report_url":"","_content_optimizer_report_added":"","_content_optimizer_keyword_hide_used":false,"_content_optimizer_keyword_hide_above_average":false,"_content_optimizer_entities_hide_used":false,"_content_optimizer_entities_hide_above_average":false,"_content_optimizer_headings_hide_used":false,"_content_optimizer_questions_hide_used":false,"_content_optimizer_tab_active":"","_content_optimizer_report_url_ce":"","_content_optimizer_report_added_ce":"","_content_optimizer_keyword_hide_used_ce":false,"_content_optimizer_keyword_hide_above_average_ce":false,"_content_optimizer_entities_hide_used_ce":false,"_content_optimizer_entities_hide_above_average_ce":false,"_content_optimizer_headings_hide_used_ce":false,"_content_optimizer_questions_hide_used_ce":false,"_content_optimizer_tab_active_ce":""},"categories":[42,122],"tags":[],"class_list":["post-17803","post","type-post","status-publish","format-standard","hentry","category-insurance-adjuster","category-personal-injury-process"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What to Do When Your Insurance Claim is Denied<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pdxinjurylaw.com\/es\/insurance-claim-denied\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What to Do When Your Insurance Claim is Denied\" \/>\n<meta property=\"og:description\" content=\"A bad situation just got worse. 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