Help is available for Ohio policyholders who’ve had any kind of insurance claim denied for misrepresentation on their insurance application.

An insurance claim denied for misrepresentation is done so purportedly because the insured allegedly supplied incorrect information relevant to the coverage at the time they applied for the policy.

Insurance companies are businesses seeking to make a profit. Often, they are not in the habit of handing out claim money with ease. Some of the key information from which an insurance claim denied for misrepresentation can revolve can indeed seem trivial, though the company will argue it’s material to the coverage.

Perhaps you had a borderline blood pressure issue for which you were put on medication that you failed to mention on a health insurance application. Or perhaps when applying for auto insurance, you claimed to drive a second car only for errands around town, and then later decided it was a better option to drive to a new job.

The reasons an insurance company can come up with prior to stamping an insurance claim denied for misrepresentation are innumerable. These attempts to deny paying on a contract for coverage services may come as a surprise during a vulnerable time.

For a claimant who diligently paid their premiums since the start of the policy, an unexpected denial can hit hard.

Do You Have Recourse?

If your insurance company has marked your insurance claim denied for misrepresentation, what is your recourse?  In the state of Ohio, there is a two-part test that can be applied to determine if a misstatement can be viewed as a misrepresentation.

The first part is to ask whether or not the misrepresentation was plainly incorporated into the policy in question. Second, the insurance policy must contain a plain warning section indicating misrepresentations or misstatements will have the effect of voiding the policy.

Without this warning, the contract remains active as is and attempts to deny any claim based upon alleged misrepresentations would constitute breach of contract. While it is not the only way an insurance company might attempt to deny a claim, it is a common practice and you do have rights.

Other Games Insurance Companies Play

In addition to outright denying claims, insurance companies often grossly delay payments or make the application for benefits so confusing that victims give up or just accept low-ball pay-outs and final settlements that fail to pay medical or other bills incurred.

If your Ohio-based insurance claim has been denied for misrepresentation or for other reasons that seem vague and unsubstantiated, you may be able to join an Ohio claim denial lawsuit investigation. Fill out the form on this page to request a consultation with a knowledgeable insurance attorney.