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What rights do you have when insurance denies burn claims?

Policyholders can pursue damages beyond claim amounts, including attorney fees and financial losses, by proving insurer bad faith in wrongful burn claim denials, experts say.

  • Legal rules allow policyholders to sue insurers for bad-faith handling of burn claims, Fibich Leebron Copeland & Briggs explains that remedies include lawsuits for unreasonable denials, delays, or underpayments, reviewed by Stacker.
  • When insurers fail to investigate or explain denials, that conduct can meet bad-faith standards, as insurers must support denials with credible evidence and meet state laws' response timeframes.
  • Your burns lawyer will document denials and collect expert opinions, with initial review typically taking 1–2 weeks and formal appeals lasting 30–60 days.
  • Denied claimants can pursue damages beyond medical bills, recovering owed benefits plus interest, penalties, attorney fees, and possibly punitive damages, as courts recognize delays worsen infection and scarring risks.
  • Because statutes often run in about two years, preserve evidence and file soon; claimants must document losses with financial advisors and confirm fault under comparative-fault rules.
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Helena Independent RecordHelena Independent Record
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What rights do you have when insurance denies burn claims?

Fibich Leebron Copeland & Briggs reports that burn victims can challenge insurance claim denials through legal rights, seeking compensation for wrongful denials.

·Helena, United States
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Helena Independent Record broke the news in Helena, United States on Tuesday, January 20, 2026.
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