---
title: Insurance Claim Denied? It's Not Over
description: the insurance company denial may not be the final word on the subject
image: https://www.gallatin-law.com/hubfs/Canva%20images/Canva%20Design%20DAEVtJfcc6E.png
---
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02/10/2021
# Insurance Claim Denied? It's Not Over
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There is a rule of civil procedure that precludes referencing insurance coverage in a trial. Part of the reasoning is that insurers are not liked and if they are made to pay instead of a party, that will influence the jury's decision more than the facts. Insurance policies are the product of decades of experience, highly refined definitions, and multiple highly trained professionals in the insurance company. What then can you do when your own insurance policy is used to deny you coverage?
Here's how you and the courts approach reading an insurance policy. As opined by the Minnesota Supreme court, the interpretation of an insurance policy and whether a policy provides coverage in a particular situation are questions of law. That is, the insurance company's opinion on the interpretation is not final. Insurance policy language is to be given its plain and ordinary meaning. But, when it comes to exclusions, those are construed in favor of the insured.
If you have a claim denied, particularly due to an exclusion, I am here to help you understand your policy and take action to get you coverage. Insurance policies are complex and adjusters commonly make mistakes. Don't let their errors cost you.
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## [Dan Gallatin](https://www.gallatin-law.com/blog/author/dan-gallatin)
Dan is a lifelong resident of Minnesota. Born in St. Paul, Dan spent many of his formative years growing up there before moving to White Bear Lake. After graduating from White Bear Lake, Dan spent four glorious years at the University of Wisconsin-Madison, earning a degree in two majors. Dan worked as a Senior Investigator at the Minnesota Department of Commerce for several years after graduating from college. During his final years Dan attended William Mitchell College of Law while still working full-time. During this exhausting 3 ½ year period Dan honed his skills in becoming an efficient, to-the-point legal practitioner. While at Madison Dan met his wife, Tonya, and together they moved to Minnesota to plant their roots. Dan and Tonya have two amazing, unique children and reside in Hugo.
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