Having a claim denied—whether it's for a car accident, a medical bill, or a personal injury—can feel like a slap in the face. After everything you’ve gone through, the last thing you want to hear is “no.” But here’s the good news: a denial doesn’t have to be the end of your case.
If you’re searching for advice on how to appeal a denied claim, you’re not alone. Many valid claims are initially rejected, often due to paperwork errors, lack of supporting documentation, or tactics by insurance companies looking to minimize payouts. The appeal process gives you a second chance—but it has to be done right.
This guide will walk you through the key steps to take if your claim has been denied—and how working with an experienced attorney can make all the difference.
Before you can fight the denial, you need to know why it happened. You should receive a written explanation outlining the reason, whether it’s:
This denial letter is the foundation of your appeal. Review it carefully and make note of deadlines and specific requirements.
At True North Injury Law, we help clients interpret confusing denial letters and determine the best course of action quickly—before valuable time is lost.
One of the most common reasons claims are denied is lack of documentation. For your appeal to succeed, you’ll need to build a strong case using:
Your goal is to paint a clear, undeniable picture that supports your original claim. The more thorough and organized your appeal packet is, the better your chances of success.
Your appeal letter should be factual, respectful, and direct. Include:
Avoid emotional language and stick to the facts. That said, it’s okay to express how the denial has affected your health or finances, as long as it’s relevant and supported by evidence.
Need help writing your appeal? The team at True North Injury Law can craft a compelling letter on your behalf, backed by a thorough legal strategy.
Appeals are time-sensitive. In most cases, you’ll have anywhere from 30 to 90 days to file your appeal, depending on the type of claim and the policies involved. Missing the deadline—even by a day—can disqualify your appeal entirely.
Make sure you:
If your appeal is complex or involves a large amount of compensation, having an attorney on your side is one of the smartest moves you can make. Insurance companies take appeals more seriously when an attorney is involved—and your chances of success increase significantly.
Whether you’ve just received a denial or you’re in the middle of the appeal process, True North Injury Law can step in to help. We handle everything from documentation and legal arguments to direct negotiations with the insurance company.
Even after submitting your appeal, the process may continue. You might be asked for more documentation or to attend an independent medical exam. In some cases, you may be required to escalate your appeal to an external review board or even consider litigation.
The key is to stay organized, stay patient, and have an advocate in your corner who knows how to respond to every twist and turn.
A denied claim can feel like a door slammed shut—but it doesn’t have to stay closed. By understanding the process, gathering the right documentation, and getting skilled legal help, you can reopen your case and fight for the compensation you deserve.
If you’re overwhelmed by how to appeal a denied claim, reach out to the experienced team at True North Injury Law. We offer free consultations and contingency-based fees—meaning you don’t pay unless we win.
Let us help you take the next step toward justice.
