{"id":4380,"date":"2011-09-30T11:11:10","date_gmt":"2011-09-30T18:11:10","guid":{"rendered":"https:\/\/pdxinjurylaw.com\/?p=4380"},"modified":"2022-06-20T17:37:49","modified_gmt":"2022-06-20T17:37:49","slug":"what-to-do-when-insurance-claim-denied","status":"publish","type":"post","link":"https:\/\/pdxinjurylaw.com\/es\/what-to-do-when-insurance-claim-denied\/","title":{"rendered":"Qu\u00e9 hacer cuando su reclamaci\u00f3n al seguro es denegada: Consejos de un abogado de lesiones Portland"},"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. 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 <strong>contacting an <\/strong><a href=\"\/es\/portland-personal-injury-lawyer\/\">abogado de lesiones en Portland<\/a>. Y no entres en p\u00e1nico.<\/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. 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.<!--more--><\/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 <a href=\"http:\/\/insurance.freeadvice.com\/information\/auto\/article\/64\" target=\"_blank\" rel=\"nofollow noopener\">razones comunes de negaci\u00f3n de reclamos<\/a> incluir:<\/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 <em>retrasando <\/em>tu asentamiento, no es lo mismo que <em>negando<\/em> tu 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;\">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> 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\/what-to-do-when-insurance-claim-denied\/\">leer m\u00e1s<\/a><\/p>","protected":false},"author":7,"featured_media":0,"comment_status":"open","ping_status":"open","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],"tags":[],"class_list":["post-4380","post","type-post","status-publish","format-standard","hentry","category-insurance-adjuster"],"yoast_head":"<!-- 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