What should be done if an insurance claim is denied without proper investigation?

If an insurance claim is denied without proper investigation, requesting a detailed explanation and re-investigation is the appropriate course of action. This approach allows the claimant to gain clarity on why the claim was denied and provides an opportunity to address any misunderstandings or insufficient information that may have led to the denial.

Insurance companies are required by law to conduct thorough investigations before denying claims. By seeking a re-investigation, the claimant can ensure that all relevant facts and evidence are considered, which is crucial for fair claim handling. This step is often necessary to resolve disputes and may lead to the eventual approval of the claim if new information is provided or if procedural errors are identified in the initial investigation.

Accepting the denial without challenge, filing a complaint with the state legislature, or applying for a new insurance policy do not directly address the issue of an unjust denial and may not provide a resolution to the claim in question. Engaging with the insurer for a re-investigation is more constructive and aligns with the legal expectations of proper claim processing.