Personal Injury Law
Personal Injury Law Questions? Ask Personal Injury Lawyers.
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All policies are required by law to have a procedure for appealing a denial of claim. Check your policy and make sure to follow the process for appeal in the policy to the letter. Missing a deadline or failing to use the designated medium for notice could prejudice your right to appeal.
If the internal appeal does not go your way then you can sue the insurance company for breach of the policy and bad faith. If you prevail on the bad faith claim then you may also be entitled to punitive damages and attorney fees.
As I said, bump it up the chain by appealing the denial. The policy will contain the procedure for giving notice and getting an appeal.