The Law Offices of Chaikin and Sherman, P.C.
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Phone - 202.659.8600
Fax - 202.659.8680
What You Should Know About Medical Insurance
Washington, DC, Maryland, & Virginia
Your medical insurance company may not be acting in your best interest when processing your claims. Bad faith insurance practices involve the unfair denial of medical claims or settlement amounts from your insurance company. Medical coverage issues commonly appear after an automobile or other accident, and when such questions arise, bad faith insurance practices can occur. You should know the tactics your medical insurance company may employ to attempt to not pay your claims.
The experienced medical-insurance attorneys at Chaikin & Sherman, P.C. feel you should be aware of the following actions your insurance company may take to avoid paying your claim:
- Misrepresenting factual information about your insurance policy coverage and the language of your policy
- Failing to recognize, communicate and act quickly when your medical claim is filed
- Refusing to execute a timely investigation of claims filed under your insurance policy
- Declining to pay claims without conducting an equitable investigation based upon available information
- Failing to confirm or deny coverage of claims
- Not facilitating a fair settlement of claims in which liability is clear, or failing to settle one portion of a claim to influence coverage determination of other claims
- Offering to settle a claim for less than the amount you are reasonably entitled to
- Sending claims payments without a statement displaying how the payment is being disbursed (i.e. an explanation of benefits)
- Trying to convince you to accept less than you should in a settlement or claim
- Delaying the investigation or payment of claims by demanding you or your doctor submit a claim report, then later requiring essentially the same information in another form of report
- Failing to promptly provide an explanation for the denial of a claim
- Failure to adequately investigate a claim
In many circumstances, medical insurance companies attempt to stall the claims payment process or leave you responsible for your medical bills altogether. You pay hundreds of dollars every month to ensure that when you need medical attention it will be paid for, and you deserve the medical coverage you think you have. In today's medical market, decisions to pay or not pay a claim take months (at best) - in most situations your doctor can bill you until your insurance company pays (if they ever make payment).
If you have insurance claims that have been denied or unreasonably delayed in processing, you may be eligible to receive compensation. Insurance laws are complex, insurance companies have a large budget to fight litigation, and insurance-representing attorneys specialize in keeping money in the pockets of the corporation. If you feel you have experienced bad faith insurance practices in Virginia, Maryland, or Washington, DC, you need a competent and knowledgeable insurance-attorney on your side. The experienced bad faith insurance lawyers at Chaikin & Sherman, P.C. will work hard to get your claims paid and get you the settlement you deserve. Please call or email our office today for a free case analysis of your bad faith insurance claim. We are committed to obtaining justice for you - the victim.