How to Read an Insurance Policy: Limits, Exclusions and Endorsements
Most coverage disputes turn on policy wording. Here is how to find the declarations, limits, exclusions and conditions that matter.
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Insurance
Reading policies, understanding denials and delays, and knowing where disputes can be escalated.
Insurance disputes usually turn on the wording of a policy and the paper trail around a claim. These guides explain how to read coverage, why claims are denied or delayed, and which internal and external review options may exist.
Educational information, not legal advice. Laws vary by location and change over time. For advice about your situation, consult an appropriately licensed attorney. Read the full disclaimer.
Coverage Basics
Denials & Appeals
Why Insurance Claims Are Denied and What You Can Do Next
A denial is a decision, not always the final word. How to read the letter and what options may exist.
How to Appeal a Health Insurance Denial: Internal and External Review
A denied health claim is often not the last word. Here is how internal appeals and external review work, and how to prepare.
Delays & Disputes
Insurance Bad Faith and Claim Delays: Understanding Your Rights
Not every slow claim is bad faith. Here is how to tell delay from misconduct, what state laws say, and how to respond.
How to File a Complaint With Your State Insurance Regulator
Your state insurance department accepts consumer complaints about delays, denials and settlements. Here is how the process works.