What legal recourse do I have if I am denied an insurance claim?

If you have been denied an insurance claim in Rhode Island, there are several legal remedies available. The first step is to contact your insurance company and request a detailed explanation of the reasons they are denying your claim. Make sure to ask for any information that supports their decision. If you are not satisfied with the response or you are unable to work out a solution with your insurance provider, you may need to take legal action. In Rhode Island, you have the right to file a formal complaint with the Rhode Island Department of Business Regulation (RIDBR). The RIDBR will investigate the complaint and make a determination as to whether the insurer has violated the insurance law. If they have, the RIDBR may impose a penalty on the insurance company. If the RIDBR decides that your insurer did not violate the law, you can still file a lawsuit against your insurance company in Rhode Island court. The court may order the insurer to honor your claim or to pay damages if the insurer acted in bad faith. If you are considering any of these legal remedies, it is important to talk to an experienced attorney to determine which course of action is best for your situation. A lawyer can help you determine if you have a legitimate claim that warrants further legal action.

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What legal recourse do I have if I am denied an insurance claim?

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