You have to file a “protest” with Industrial Commission of Arizona. If you don’t have an attorney, don’t wait! You only have 90 days to request a hearing date with a judge to protest the denial, because a hearing is the ONLY way to guarantee yourself a chance to get the insurance carrier’s decision reversed. If you fail to file a protest in time, your claim is OVER. It is highly recommended that you contact an attorney if your claim is denied. Your attorney can file a protest for you and may be able to negotiate the acceptance of your claim without going to court. Most importantly, your attorney knows which particular facts prompt insurance companies into action and compel judges to rule in your favor.