More Reasons for Denial to your Car Insurance Claim
Your claim on your car insurance has been denied. If, after reading the insurance company’s reasons and reviewing your car insurance policy, you still believe coverage has been wrongfully denied, there are some steps you may take to try to remedy the situation. You have certain rights under your policy and under state law. Your insurance company has a duty to fairly and promptly settle your claim in good faith.
Steps you can take if coverage has been wrongfully denied:
Write back to the car insurance company to tell them where their mistake is and provide them with documentation to support your response.
Appeal the company’s decision to your state’s Insurance Commissioner.
Hire an attorney to discuss the error with the insurance company.
Sue the car insurance company for bad faith, breach of contract, and/or violations of your state’s insurance code.
If the car insurance company realizes its mistake, or you are correct in that the adjuster made an error, they will reopen your claim and move forward with their investigation.
Where you don’t understand their reason for denial, ask for clarification. It would be wise to consult an attorney to make sure they are not erroneously denying your claim.