Insurance Claims Lawyers Melbourne  

How We Can Help with Insurance Claims 

Dealing with insurance companies can be overwhelming, especially when they use the fine print to deny or delay your claim. With an experienced insurance lawyer by your side, you can take on even well-resourced insurance companies with confidence. At Pentana Stanton Lawyers, we have the knowledge and expertise to hold insurance companies accountable for unreasonably denying or delaying your claim. We offer the following services to assist you:

• Validating Your Claim: We will assess your situation to determine if you have a valid insurance claim based on the terms and conditions of your policy.
• Understanding Policy Details: Insurance policies often contain complex fine print. Our team will help you understand the intricacies of your policy, ensuring that you know your rights and obligations.
• Making Claims and Disputes: We will handle the process of making an insurance claim on your behalf. If your claim is rejected, we will represent you in lodging a dispute with the insurance company.
• Representation in Tribunals and Courts: In cases where a resolution cannot be reached through negotiation, we will provide strong representation in tribunals or courts, advocating for your rights and interests.
• Achieving Fair Results: Our insurance lawyers goal is to ensure you receive the outcome you deserve. This may include pursuing penalty interest from the insurer if they caused unreasonable delays in processing your claim.

Common Reasons for Rejected Insurance Claims 

Insurance companies may reject claims for various reasons. Here are five common ones:

• Insufficient Evidence: The insurer may claim that you haven’t provided enough evidence to support your claim. We can help you gather the necessary documentation, such as claim forms, item lists, reports, and statements, to strengthen your case.
• Failure to Disclose Information: If the insurer believes you failed to disclose important information when renewing or taking out the policy, they may reject your claim. We can assess the accuracy and completeness of your disclosures and challenge any wrongful rejection.
• Non-Compliance with Conditions: Insurers may argue that you haven’t complied with certain conditions or that an exclusion clause applies. We will carefully review your policy to determine the validity of their claims.
• Dishonesty or Fraud: Accusations of dishonest or fraudulent behaviour can result in claim rejections. If you’re facing such allegations, it’s crucial to seek legal advice promptly, and our team is here to support you.
• Lapsed Policy: If your policy was cancelled due to non-payment or non-renewal, the insurer may reject your claim if the incident occurred while the policy was inactive. We can assess the circumstances surrounding the cancellation and fight for your rights.

How We Can Help with Claim Disputes 

At Pentana Stanton Lawyers, we firmly believe in your right to challenge a denied or rejected insurance claim. Our approach includes:

• Policy Evaluation: We will thoroughly review your insurance policy to understand your coverage and provide you with advice on the strength of your claim and the expected outcome.
• Dispute Initiation: Our team will contact your insurer on your behalf, clearly expressing your intention to dispute their decision and advocating for a fair resolution.
• Internal Review: If the insurer’s initial decision does not resolve your problem, we will guide you through your insurer’s internal dispute resolution process.
• External Dispute Resolution: If internal resolution attempts fail, we can escalate the dispute by lodging a complaint with the Australian Financial Complaints Authority (AFCA) or filing a court case, ensuring your interests are represented.