McKayla Girardin, Car Insurance Writer
@mckayla_girardin
To fight a denied car insurance claim, you should submit a letter appealing the insurance company’s decision and seek help from an experienced lawyer. Your appeal letter should include your claim number, your policy number, and information that counters the insurance company’s reasons for denying your claim. Appeal letters can be sent through regular mail.
How to Fight a Denied Car Insurance Claim
- Request a letter of explanation. Typically, your insurer will send a letter explaining why your claim is denied. However, if you do not receive one, you can request a written explanation from the insurance adjuster or your insurance company directly.
- Gather counter evidence. This will vary depending on the nature of your claim. For example, when trying to fight a denied bodily injury claim, you may want to collect things like letters from your doctor, receipts for medical treatment, and photographic proof.
- Submit your appeal. Some states have formal appeals processes that you and your insurer will need to abide by, but in general you simply need to submit your evidence and a letter explaining why you believe your claim was wrongfully denied.
- Seek legal support. If your insurance company isn’t responsive to your argument, or you suspect your insurer may be acting in bad faith, the best course of action is to seek legal advice. An experienced lawyer can help you review the claim and pursue litigation if needed.
If your appeal isn’t successful, you may be able to sue the other party directly for your costs, but remember that lawsuits are time-consuming and can be expensive. Speaking with an experienced claims lawyer can help you figure out if suing the other driver is worth it.
To learn more, check out WalletHub’s guide to car insurance claims.
People also ask
What can you do when car insurance denies a claim?
You can appeal the decision when your car insurance company denies a claim. To appeal a car insurance claim denial, you will need to gather evidence then draft and submit a letter of appeal describing why you disagree with your insurer’s assessment. You may also want to hire an attorney for professional guidance, especially if it’s a high-value claim.
Once you request an appeal, you can settle the appeal directly with your company, or...
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