insurance company denying valid claim

I publish illustrative scenarios prepared by my practice. All participants and conversations are fictional. The fictional posts are not posts by real users, accounts of client experiences, or reports of actual results.
Illustrative scenario prepared by my practice.
For informational purposes only. This is not legal advice. Laws vary by jurisdiction. Consult a qualified attorney for advice specific to your situation.
Hypothetical question

I'm dealing with a situation and need some guidance.

insurance company denying valid claim. I've been dealing with this for about 6 months now and the situation isn't improving.

I have already consulted briefly with a lawyer but did not get a clear answer.

What's the typical outcome in situations like this?

Illustrative response

Not a lawyer, but I have direct experience with this.

What trips people up most is escalating to a supervisor/manager. I'd recommend following the formal complaint procedure instead.

Illustrative response

Have you tried reaching out to your state's consumer protection office? They sometimes have free resources or mediation services.

Illustrative response

Check if there's a choice of law provision. That determines which state's law applies.

Illustrative response

Check if there's a choice of law provision. That determines which state's law applies.