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Insurance Claim Denied? Free AI Legal Help
A denial letter is not the last word. Ask what the letter actually says, how to request the claim file, how appeals and state complaints work and what bad faith means. General legal information, not a lawyer.
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You are chatting with an AI. It gives general legal information, not legal advice, and can be wrong or out of date — check deadlines on the official settlement website. Please don't share Social Security numbers, account numbers or medical details.
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What the AI assistant can help with
- Explain the policy language a denial letter cites
- Walk through asking for a written explanation and a copy of the claim file
- Explain internal appeals and how to file a complaint with your state insurance department
- Explain what bad faith means and what insurers generally must do
- Explain why the time to sue can be shorter than you think: many property policies have a "suit against us" clause that sets its own limit
When to talk to a lawyer
The assistant gives general legal information. It does not represent you, and it does not decide what you should do in your own case. Talk to a lawyer if:
- The claim is large, such as a home, a total loss or a serious injury
- The insurer delays without explanation or ignores your requests
- You think the insurer acted in bad faith
- The deadline in your policy is getting close
What a lawyer costs: Insurance dispute lawyers often offer a free consultation; fee arrangements vary and some work on contingency. Public adjusters are another option for property claims and usually charge a percentage of the payout.
Tools and guides
Questions people ask
Can I appeal a denied insurance claim?
Usually yes. Ask for the reason and the policy provision in writing, submit the missing information or evidence, and use the insurer's internal appeal. A complaint to your state insurance department is free and often gets a response.
Ask about something else
Settlement Insight is not a law firm, and the AI assistant is not a lawyer. Answers are general legal information based on public records and can contain mistakes. They are not legal advice for your situation. For that, talk to a lawyer licensed in your state.