If you’re an Ohio resident who has had an insurance claim denied because of an alleged misrepresentation, you could benefit from speaking with an insurance claim denial attorney.

Several insurance companies in Ohio are accused of denying valid claims made by policyholders who are blamed for concealing or misrepresenting the facts of their circumstances on their insurance applications.

If Allstate, Nationwide, Progressive Life, State Farm or another insurance company has denied your valid claim, an insurance claim denial attorney might be able to assist you.

Denials for Material Misrepresentation

In order for an insurance company to deny a claim based on misrepresentation, the insurance company must show that the error is material to the particular risk in question.

If a man applied for life insurance and completed his application indicating he had no history of heart attacks, but died of a heart attack two years later, the insurance company would likely investigate. If the insurance company discovered the man had survived two previous heart attacks in years past, but neglected to indicate those on his life insurance application, that discrepancy would be considered material misrepresentation. The life insurance claim likely would be denied.

The problem is that many Ohio insurance companies allegedly deny claims that include innocent misrepresentation or misrepresentation that is not material. Examples of misrepresentation that some insurance companies allegedly use to deny valid claims include:

• You (or a deceased loved one) completed a life insurance application that claimed you were in good health even though you carry an asthma inhaler with you for seasonal allergies.
• You said your vehicle is garaged when at your residence, but due to changed circumstances, your car sits on the street half the time.
• You indicated your drive to and from work is less than 50 miles a day, but after a job transfer, your roundtrip is just over 100 miles a day.

If the latter was the case, and you were in an accident just five miles from your home on a weekend while running errands, the insurance company might try to deny the accident claim due to innocent misrepresentation of your daily work mileage even though it was not material to the accident. An insurance claim denial attorney could help you fight for your coverage.

Insurance Claim Denial Attorney Can Help

If you live in Ohio and have been denied an insurance claim due to innocent misrepresentation rather than material misrepresentation, an insurance claim denial attorney could help you prove your claim was wrongfully denied.

Ohio residents have reported their valid claims for life, auto, disability and other types of insurance have been denied despite the fact they have made full, timely premium payments for years. Despite the insurance company being able to count on them to pay their premiums as agreed, the residents say they have been disappointed to find out their insurance company denies a claim based on an immaterial technicality.

The insurance company doesn’t have to have the last word in the event of a denied claim. You could benefit from speaking with an experienced insurance claim denial attorney who will fight for your right to have a valid insurance claim covered by your insurance company.