Tag: Insurance claims

June 26, 2025 Off

Decoding Denial: Why Your Insurance Claim Was Rejected (and What to Do About It)

Insurance companies sometimes deny claims for various reasons, including policy breaches, incomplete or erroneous claims, delays in filing, or healthcare-specific issues like exceeding policy limits or lacking pre-authorization. If your claim is denied, you can take steps to appeal, starting with contacting the insurer, followed by a written appeal with supporting documentation. Further options include contacting your state’s insurance board or seeking legal counsel, especially for significant losses.

July 21, 2024 Off

Navigating Surprise Medical Bills: Can They Garnish Disability or Pensions?

By The Admiral Staff

A reader is facing $10,000 in medical bills after their insurance company retroactively reversed payments, and they’re concerned about the legality and potential consequences. The advice provided is that insurance companies can reverse payments, though time limits apply (six months in Maryland, potentially 18 with coordination of benefits). Appealing the insurance decision and notifying providers are recommended. While private companies require a lawsuit and court order to garnish wages, Maryland is not a community property state, so the reader

April 24, 2024 Off

The Hidden Cost of Filing an Insurance Claim

By The Admiral Staff

Before filing an insurance claim for minor damage like dents or scratches, carefully consider the potential long-term financial impact. Filing a claim, even if you’re not at fault, can lead to premium increases (potentially 52% nationwide for auto accidents), impacting your budget for at least three years and making it harder to shop for better rates. Losing safe driver discounts is another risk. While reporting accidents to your insurer is often required, filing a claim is optional—weigh the immediate repair cost

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