Car Insurance Claim Denied?April 29, 2016
How to Appeal a Car Insurance Claim
A denied insurance claim may feel like the end of the world, but you don’t have to just accept that the auto insurance company isn’t going to pay up. We’ve got some tips to help you appeal a claim.
Research your Car Insurance Rights
Most states have an online version of your insurance bill of rights. This is a list of rights you have as a consumer as they relate to insurance and they typically include information about how to appeal a claim. If your state doesn’t have a bill of rights, check the website of your state’s department of insurance or your state insurance commissioner. Read this information and get a feel for how your state views auto insurance company liability. If it seems that your insurance company did not fulfill their duties as outlined by your state’s requirements, then it’s time to move to the next step.
Get a Lawyer
Hiring an attorney is generally very helpful in sorting out these sorts of disputes. An attorney will be better aware of the laws as they apply in your state and can help identify ways to get your claim approved if at all possible. Be aware that litigation ought to be a last resort as it can be a very costly and lengthy process.
Gather All Paperwork Related to Your Insurance Claim
From police reports to documents from your insurer and even the bills for repair (if applicable), you need to get all of it in one place and keep track of it. These documents can prove invaluable in a denied insurance claim dispute.
Send an Appeal Letter to the Insurance Company
If you have already contracted an attorney to help you appeal a denied insurance claim, this is a task that can either be done by your attorney or in conjunction with them. You should state your case and why you feel they should pay your denied claim. Be polite and succinct. If possible, provide copies of your documentation. While it is possible for this letter to change the minds of your insurer, if it does not, you can talk with your state insurance regulator to see if there is anything they can do for you. If not, you can consider litigation, but again, expect it to take a lot of time and money.
Learn More About Auto Insurance
When it comes to auto insurance, there are a lot of variables, a lot of unfamiliar terms, and a whole lot of peculiarities – particularly when you consider that each state has its own insurance market. Our Auto Insurance Explainers can help sort it out for you, and make more educated decisions about your car insurance.