What to Do If the Insurance Company Denies Your Claim in Michigan

You pay your insurance premiums expecting that, if something goes wrong, your insurer will be there to help. Unfortunately, many Michigan residents find out the hard way that insurance companies don’t always play fair. A denied claim can feel frustrating and overwhelming — especially when you’re already dealing with injuries, repairs, or medical bills.

At Marienfeld Law PLLC, we help clients throughout Michigan challenge wrongful denials and hold insurance companies accountable. If your claim has been denied, here’s what you need to know — and what steps to take next.

Step 1: Understand Why Your Claim Was Denied

Insurance companies must send you a written explanation when they deny a claim. Review this letter carefully — it should outline the specific reasons for the denial and reference the part of your policy they’re relying on.

Common reasons for denials include:

• Alleged lack of coverage for the specific type of loss

• Disputes over who was at fault in an accident

• Claims filed too late or missing paperwork

• Accusations that your injuries weren’t caused by the accident

• Policy exclusions or “fine print” clauses

• Delays in medical treatment after an accident

Even if the reason sounds final, many denials are based on misinterpretations or incomplete information — and they can be overturned.

Step 2: Gather Your Documentation

Before contacting the insurer again, collect all supporting evidence for your claim. This may include:

• Medical records and treatment notes

• Photos of injuries or property damage

• Police or incident reports

• Witness statements

• Correspondence with the insurance company

Having everything organized helps your attorney build a clear case showing why the denial was wrong.

Step 3: Avoid Arguing Directly With the Adjuster

Insurance adjusters are trained to protect their company’s bottom line — not your recovery. They may sound friendly, but their goal is to limit payouts and close files quickly.

Avoid giving recorded statements, signing releases, or sending additional documentation without legal advice. A single comment taken out of context can be used to reinforce their denial.

Instead, let your attorney handle all communications moving forward.

Step 4: Appeal or File a Lawsuit (With Legal Guidance)

Depending on your situation, your attorney may file a formal appeal or move directly toward litigation. In Michigan, this process can involve:

• Internal appeals within the insurance company

• Civil lawsuits for breach of contract or bad faith practices

• No-fault arbitration (for auto-related disputes under Michigan’s no-fault system)

At Marienfeld Law PLLC, we analyze every detail — from the policy language to the insurer’s handling of your claim — to determine the best approach. We know how to challenge denials effectively and compel insurers to honor their obligations.

Step 5: Know Your Rights Under Michigan Law

Michigan law requires insurance companies to act in good faith and process claims fairly. When they delay, deny, or underpay valid claims, they can be held legally accountable.

Whether it’s a car insurance, homeowners, medical, or disability claim, you have the right to:

• A written explanation of denial

• A fair review of your claim

• Representation by an attorney during appeals or negotiations

You don’t have to take their word for it — you’re entitled to fight back.

How Marienfeld Law PLLC Can Help

Our firm has extensive experience dealing with denied insurance claims across Michigan. We know the tactics insurers use and how to counter them. From reviewing your policy to negotiating or litigating on your behalf, we fight to make sure you get the coverage you’ve paid for and deserve.

When an insurance company lets you down, we step up.

If your insurance claim was denied in Michigan, contact Marienfeld Law PLLC today for a free consultation. We’ll review your denial, explain your rights, and fight for the compensation you’re owed.