What Happens After You File a Claim? Understanding Your Options

Filing an insurance claim is often a necessary step to seek coverage for your losses or medical expenses. However, many policyholders are left wondering about the subsequent process and what to expect. In this blog post, we’ll shed light on what can happen after you file a claim and the importance of seeking legal representation, if needed, during this crucial phase.


Examination Under Oath

After filing a claim, it’s not uncommon for your insurance company to request an examination under oath. This legal proceeding aims to uncover any potential fraud or claims the insurer may not be obligated to cover. It’s crucial to remember that anything you say during this examination is under penalty of perjury. To navigate this process smoothly and protect your rights, it is highly recommended to seek legal representation beforehand.


Denial Based on Unseemly Practices

In some cases, your health insurance provider may outright deny your claim based on preexisting conditions or ongoing illnesses. They may involve medical underwriters to reevaluate your policy and potentially change its terms after you’ve made a claim. However, altering policy terms after a claim has been made can be grounds for legal action. It’s important to know your rights and consult an insurance claims attorney to challenge such denials.


Receiving a Denial or Offer

After your claim is processed, you will receive either a denial or an offer from your insurance company. Remember that you can deny or appeal the offer if it doesn’t adequately address your losses or medical expenses. It is crucial to act promptly and seek the guidance of an insurance claims attorney as soon as you receive any communication regarding your claim.



Filing an insurance claim is just the beginning of the process, and what happens afterward can impact the outcome. By understanding the potential steps that may follow, such as an examination under oath or a denial based on unseemly practices, you can better protect your rights. Seeking legal representation is essential to navigate these complexities and ensure a fair resolution to your claim. Remember, your insurance claims attorney is there to advocate for your best interests and help you make informed decisions.

If you have recently filed a claim or are facing challenges with your insurance company, don’t hesitate to contact our team at Milun Law Firm. We specialize in insurance claims and can provide you with the expert guidance and representation you need.

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The Milun Law Firm offers expert legal guidance and assistance for commercial and insurance recovery disputes. We ensure that you are aware of your legal obligations and avoid any unnecessary legal disputes.


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