Main AI reads your health, auto, renters, or homeowners policy — identifies coverage gaps, exclusion traps, and your appeal rights for denied claims.
No. Insurers reverse a meaningful share of denials on appeal, and you typically have both an internal appeal and, for health coverage, an external review by an independent party. The denial letter must state the specific reason and your appeal rights — that reason is what your appeal attacks.
Insurers owe a duty to investigate and pay valid claims fairly. Lowball offers without basis, unexplained delays, misrepresenting policy language, and denying without real investigation can all constitute bad faith — which in many states opens the insurer to damages beyond the claim value.
The exact policy provision cited, the deadline to appeal, and whether the stated reason actually matches your policy's language. Denials frequently cite exclusions that don't apply as written. Main AI reads the denial against the policy and flags the mismatch.
Appeal windows are strict — often 180 days for health plans but as short as 30–60 days for others, and the clock runs from the denial date. Missing it usually forfeits the appeal, so date the letter the day it arrives.
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