Being involved in a car accident is a scary experience. Not only will this cause damage to your vehicle, but there is a chance you could be injured as well.
Tip: although you have a lot going on, your health is more important than anything else.
Upon making a car insurance claim, you may be surprised to find that your insurance company is not nearly as cooperative as you thought they would be. In some cases, this leads to a denied claim.
What to do Next
If you experience a denied car insurance claim, there are steps you can take to dispute the decision. Remember, your insurance company must act in good faith when dealing with your claim. If they don’t, it could lead to a variety of trouble for the provider.
Disputing a car insurance claim is not as difficult as it sounds. Here are three actions you can take:
- Contact the insurance company, preferably by mail, to explain your situation. The reason for writing a letter is to ensure that you have documentation.
- Get in touch with your state’s Insurance Commissioner. This department may be able to help you get to the bottom of your problem, while also putting pressure on the insurance company.
- File a lawsuit. This may be the last thing you want to do, but you have rights and they need to be protected. You can file a lawsuit on many grounds, such as a violation of your state’s insurance code and/or breach of contract.
If you are involved in a motor vehicle accident, you never want to consider the fact that your insurance company could deny your claim. It can be challenging to overcome this situation, but filing an appeal is within your rights.
Do you need help disputing a denied car insurance claim? If so, contact us to explain your situation and to learn more about the steps you can take.