Yes, you have a legal right to obtain copies of your medical records and itemized bills. You must submit a written request to each healthcare provider, and they may charge a reasonable fee for copying and mailing. It is crucial to get complete records from every doctor, hospital, physical therapist, or other provider you saw. An itemized bill (a “superbill”) is essential, as it lists every service and charge separately, unlike a simple summary statement.

Yes, claims are often denied for specific reasons. Common causes include lack of coverage for the peril (e.g., flood damage without flood insurance), failure to pay premiums, misrepresentation on the application, or damage deemed to be from wear and tear or lack of maintenance. Policies also exclude intentional damage. Denials typically come with an explanation citing the specific policy language that supports the decision.

Yes, but only under specific conditions. You cannot sue for a simple accident. You must prove the hiring company’s negligence directly caused your injury—for example, by knowingly failing to fix a dangerous condition or violating safety regulations. The process is a formal personal injury lawsuit, not a workers’ compensation claim. Success depends on strong evidence of their fault, and any compensation may be reduced if your own actions contributed to the incident.