| Insurance companies deny coverage for any number | | | | As a result of this rule many lawsuits over coverage |
| of reasons. However, the fact that you have | | | | focus on whether or not an ambiguity exists in the |
| received a denial of your insurance your claim should | | | | policy. Generally speaking a policy is ambiguous if |
| not be the end of your fight. Insurance companies | | | | there is doubt about its meaning, duplicity or |
| are often wrong in their assertions of no coverage, | | | | uncertainty about the language as applied to the |
| and there are several legal rules which may help your | | | | facts of the case. This rule has also been expressed |
| case. | | | | as a contract that promises something in one section |
| One of the most powerful rules that can help people | | | | and then takes it away in another. |
| fighting an insurance company on coverage is the | | | | It is also possible that an ambiguity may arise from a |
| doctrine of ambiguity. Simply put if the language of | | | | document other than the actual contract language |
| the insurance policy is ambiguous it must be | | | | such as the application for coverage. The important |
| construed by a court in favor of the insured (the | | | | thing to remember is that when your coverage claim |
| policy holder or beneficiary) rather than in the favor | | | | is denied you do not have to accept the insurance |
| of the insurance company. The reasoning behind this | | | | company's position. There are legal rules that help |
| rule arises from the fact that insurance companies | | | | policy holders, which may apply in your particular |
| use form contracts that they write and issue, so if a | | | | circumstances. Consultation with an attorney |
| dispute is over their failure to make the contract | | | | regarding your particular situation may turn a denial |
| clear then they are the ones who should bear that | | | | into a recovery. |
| burden. | | | | |