What happens if my insurance claim is denied?

If your insurance claim is denied in Hawaii, you are allowed to appeal the decision. Appeal rights vary from policy to policy, so it’s important that you check your insurance documentation to determine what your options are for appealing a denied claim. Generally, you may file an appeal with the insurance company either in writing or verbally. You may also be able to seek help from a third party, such as a regulatory board or a consumer advocate. It’s important to remember that the insurance company may have denied your claim for a number of reasons, such as policy exclusions, coverage limitations, or mistakes in your application. If you do appeal, it’s important to provide any evidence that supports your claim or refute any evidence that the insurance company used to deny your claim. The insurance company must then decide if it wants to reconsider the decision and pay the claim. If your appeal is still denied, you may be able to take legal action against the insurance company. However, when suing an insurance company, you will want to make sure that you obtain the help of a qualified attorney who can guide you through the process. Good luck!

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