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San Antonio Denial of Insurance Lawyers

  • Life Insurance Claim Denial
  • Disability Insurance Claim Denial
  • Accidental Death and Dismemberment Insurance Claim Denial
  • Health Insurance Claim Denial

Life Insurance Claim Denial (typical reasons given by the company)

  • Denied because of a mistake or misrepresentation on the insurance application
  • Denied because of a factual omission regarding the decedent’s medical history
  • Denied because the cause of death is excludable under the policy

As your law firm, Villarreal & Begum, will fight for your rights to show that what the life insurance company states is a material misrepresentation is not significant enough to justify denial of your life insurance policy claim, or that the decedent did not intend to make the misrepresentation because the decedent was unaware of an illness or medical condition at the time of application.

Disability Insurance Claim Denial (typical reasons given by the company)

  • Denied because the insurance company is not convinced about the nature or severity of your disability
  • Denied because of a mistake or misrepresentation on your insurance application
  • Denied because of a factual omission regarding your medical history in your policy

As your law firm, Villarreal & Begum, will fight for your rights to show that you are disabled according to the language in your policy, or what the disability insurance company believes is a material misrepresentation is not significant enough to justify denial of your claim, or that you did not intend to make the misrepresentation because you were unaware of your illness or medical condition at the time of application.

Accidental Death and Dismemberment Insurance Claim Denial (typical reasons given by the company)

  • Denied because the cause of death was not an accident
  • Denied because the cause of death was excludable under the policy

As your law firm, Villarreal & Begum, will fight for your rights to show that the decedent’s cause of death was accidental and/or not excluded by the policy. As an example, issues may arise during the case that involve whether prescription drugs were taken properly or improperly by the decedent, or whether the decedent was intoxicated by alcohol, at the time of death.

Health Insurance Claim Denial (typical reasons given by the company)

  • Denied because your treatment is not “medically necessary”
  • Denied because your treatment is excluded under your policy
  • Denied because your treatment is experimental or not yet accepted

As your law firm, Villarreal & Begum, will fight for your rights to show that your treatment is “medically necessary” to maintain your health; that your treatment is not excluded under the language in your policy; or that your treatment is considered to be acceptable within the standards of the medical community. Commonly, a denial or delay arises when you require complex medical treatment such as surgery, transplants, cancer treatment, long term care, etc. However, denials or delays may occur when you require even the most routine medical treatment.

* Firms minimum threshold for health insurance cases – $25,000.00 in medical bills.