{"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\">A bad situation just got worse. You were driving your car home from work and were involved in an accident in downtown Portland. You had to go to the doctor a day or two later, because you were injured. It meant you missed a couple of days off work; you weren\u2019t paid, and your boss is still not happy.<\/p>\n<p style=\"text-align: left;\" align=\"center\">And now you get a letter from the insurance company saying, \u201cSorry, but your claim has been denied,\u201d along with a jumbled explanation dripping with legal jargon and quotes from clauses in your policy you\u2019ve never read. What to do? The first thing to consider is\u00a0<strong>contacting a<\/strong> <a href=\"\/es\/portland-personal-injury-lawyer\/\">Portland abogado de lesiones<\/a>. And don\u2019t panic.<\/p>\n<p style=\"text-align: left;\">Insurance companies have a vested interest in denying claims. This doesn\u2019t mean they\u2019re dishonest, but an Oregon insurance lawyer will tell you, that insurance companies only have to find a small area of doubt in your claim to issue a denial. <!--more--><\/p>\n<p style=\"text-align: left;\">This is a starting point, however, and it\u2019s important not to give in too easily, as many people do. If you have an Oregon insurance lawyer fighting your case, the insurance company will probably become far more reasonable, and far more quickly.<\/p>\n<p style=\"text-align: left;\"><strong><em>Why deny my Portland injury claim in the first place?<\/em><\/strong><\/p>\n<p style=\"text-align: left;\">It doesn\u2019t take much for an insurance company to deny a claim, but the most\u00a0<a href=\"http:\/\/insurance.freeadvice.com\/information\/auto\/article\/64\" target=\"_blank\" rel=\"nofollow noopener\">common reasons for a claim denial<\/a>\u00a0include:<\/p>\n<ul style=\"text-align: left;\">\n<li>You have the wrong kind of coverage on your car for the claim presented. If you have liability only and no collision coverage, your claim could be denied.<\/li>\n<li>You made an uninsured motorist claim, but the other party was actually insured.<\/li>\n<li>You\u2019re not a named driver on the policy. This applies mostly to teenagers driving their parents\u2019 cars, or to friends driving other friends\u2019 cars.<\/li>\n<li>You didn\u2019t pay your premium on time. If the grace period has expired by even five minutes, insurance companies will use this as an \u201cout.\u201d<\/li>\n<li>The amount of your claim exceeds your policy limits. In this case, the insurance company will normally refuse to cover the excess, but the entire claim could be denied.<\/li>\n<li>You bought a new\/different car and failed to let the insurance company know within the specified time.<\/li>\n<\/ul>\n<p style=\"text-align: left;\"><strong><em>How do I contest their decision? Do I need an insurance attorney?<\/em><\/strong><\/p>\n<p style=\"text-align: left;\">Immediately write to the insurance company and explain to them why you think your claim is valid, and why their reasons are not. Send as much documentation as you can find to support your claim. If you are dealing with a reputable insurance company, they will hopefully make you a fair settlement offer. If a respected Oregon insurance lawyer takes your case, they can write this letter for you, and make sure the insurance company follows up on any policy agreements.<\/p>\n<p style=\"text-align: left;\">If you still don\u2019t receive a satisfactory response, other avenues are open to you. Again, you may decide to act on your own, or have an experienced Oregon insurance lawyer do it for you. You may elect to:<\/p>\n<ul style=\"text-align: left;\">\n<li>Appeal the insurance company\u2019s decision to the Oregon State Insurance Commissioner.<\/li>\n<li>Fight fire with fire. File a bad faith lawsuit against the insurance company; hold them accountable for breach of conduct and possible violations of Oregon State insurance codes. If you decide to file a suit, you will definitely need the help of a good Oregon insurance lawyer.<\/li>\n<li>File a suit against the responsible driver. If someone else caused the accident, and their insurance company is\u00a0<em>delaying\u00a0<\/em>your settlement, it\u2019s not the same as\u00a0<em>denying<\/em>\u00a0your claim. Once again, a good Oregon insurance lawyer will expedite the process and either negotiate a settlement on your behalf or lodge a suit against the other driver.<\/li>\n<\/ul>\n<p style=\"text-align: left;\">Having your insurance claim denied can be a frustrating, annoying experience. Insurance companies are required by Oregon law to act in good faith, and failure to do so could leave them open to multiple charges, negative publicity and large costs. If you feel your claim is fair and just, do not be afraid to either tackle the insurance company yourself, or to hire a <a href=\"\/es\/practice-areas\/portland-car-accident-lawyers\/\">Abogado de accidentes de Portland<\/a> to do it for you. Don\u2019t give up after you\u2019ve received one letter denying your claim. Know your rights, and fight for them.<\/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 v27.5 - 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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