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An insurance agent may be able to help a client get coverage for an initially denied claim. (Photo: Shutterstock)

The general public assumption is that once an insurance company has denied a claim the issue is dead, but independent agents can, with help, be extremely influential in getting initially denied claims covered. There are two important dispute resolution doctrines: First, the purpose of insurance is to insure. Second, the best way to resolve claim disputes is to prevent them.

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