Who is responsibility is it when a claim is denied?

When a claim is denied, the responsibility often lies with the insurer, as they must provide a valid reason based on the policy terms. However, the claimant also bears some responsibility to ensure that the claim is submitted correctly and within the required timelines. Both parties should review the reasons for denial to determine if it was justified or if there is an opportunity for appeal. Ultimately, understanding the policy details is crucial for both the insurer and the claimant.