Recognizing an Improper Denial Letter

Upon receiving a denial letter, manyFirstCoastpersonal injury claimants simply assume that the insurance company is right and that their claim held no water. However, many denial letters are improper, part of an attempt to dissuade claimants from going after legitimate claims, in effect cheating them out of their money. It happens rarely, but savvy claimants should still be on guard.   Here are some signs of an improper letter:
  • The denial letter has either incomplete or erroneous information regarding the details surrounding your claim, or makes no reference to details specific to your claim.
  • The denial letter has a major discrepancy in the policy it cites as basis for your denial. This can include the citation of a nonexistent clause in the policy or a clause that is irrelevant to the details of your claim.
  • When contacted, the insurance company refuses to provide the full text of the policy after denying your claim.
  • Your insurance company attempts to reserve its right to continue to defend its policy, and then it continues to ask for information regarding your claim. The insurance company will attempt to use this information against you; after all, if it had enough information to deny you, why would it need more information?
  • Your insurance company immediately responds to the submission of your claim by accusing you of fraud.
If your denial letter contains any of these signs, or you have any other reason to suspect your claim is being wrongfully denied, get the legal advice and representation of a qualified First Coast personal injury lawyer who can help you win the compensation you deserve. Do not hesitate to call experienced First Coast personal injury lawyer John Fagan today for a free initial consultation.

About John Fagan

John is a Jacksonville native who grew up on the First Coast. He graduated from Bishop Kenny High School in 1975 and went to college at Florida State University where he completed a 4-year program in 3 years. John graduated from the Florida State University College of Business in 1978 and went straight into Florida State University College of Law. While in law school, John earned a position on the prestigious Law Review Board serving as its Business Editor. As a law student, John studied in the Oxford program. He also interned with the Florida Legislature working in the Florida House of Representatives Criminal Justice Committee. John was admitted to the Florida Bar in 1981. John began his legal career as a law school intern in the State Attorney's Office in Jacksonville in 1981. After his internship, legendary State Attorney Ed Austin hired John as a full-time Assistant State Attorney for the Fourth Judicial Circuit (Clay, Duval, and Nassau Counties). As a prosecutor, John tried jury and non-jury trial on charges ranging from DUI to Murder. In 1983, John moved from the State Attorney's Office to begin his career in private practice. He has practiced law for 30 years on the First Coast. For the last 20 years, John and his family have made Clay County their home. John limits his practice to personal injury and disability cases. While there are many fine attorneys in Clay County, John is one of only a few Clay County attorneys who limit their practice to personal injury and disability cases. John takes pride in helping clients resolve injury claims in ways that avoid the stress, uncertainty, and the expense of unnecessary litigation. Professional Activities John is the past President of the Clay County Bar Association and has served on the Board of the Clay County Bar Association from 2009-2013. He is an active member of the Florida Bar, and the Federal Bar of the Middle and Southern Districts of Florida. He is also a member of the American Association of Justice, the Florida Association of Justice, the National Organization of Social Security Claimants' Representatives, and the National Organization of Veterans' Advocates. Service to the Community John is involved in the Clay County Community serving as a member and Director of the Rotary Club of Orange Park, of the Clay County Bar Association, and the Putnam County Bar Association.
This entry was posted in Car Accidents, Motorcycle Accidents, Personal Injury. Bookmark the permalink.