Car accidents are stressful, and dealing with insurance companies after being involved in one can be just as frustrating. After all, they are expected to cover damage and medical expenses, but what happens if they refuse to pay for them?
This isn’t a pleasant situation to be in since it leaves one feeling helpless and not sure what to do next.
If your insurance company refuses to pay, don’t panic. Follow these steps to fight back and get the compensation you deserve.
Understand Why Your Claim Was Denied
First, it’s important to understand why your insurer won’t pay. Your insurer must send you a letter informing you why it denied your claim. Be certain to read it over carefully.
Sometimes, denial is just a mistake. Other times, there is a reason. For example, if you didn’t report everything that happened in the accident to them, they won’t pay you. Or, you can discover that your policy won’t cover all the damages. If you know why, you can decide what to do next.
Consider Taking Legal Action
It can be beneficial to seek the help of an attorney when your claim gets denied. The best car accident attorneys know how an insurance company works and can fight for the compensation you rightfully deserve. They understand insurers’ tactics and can negotiate or take your case to court if necessary.
Double-Check Your Policy
Review your insurance policy before claiming denial. Look at the coverage, exclusions, or any clauses pertinent to your accident and highlight parts of the policy that support your claim. This will be useful when discussing your situation with your insurer.
Gather Evidence
The evidence you have can put you in a good position in case your insurance claim doesn’t go through. Gather everything: photographs of the accidents, police reports, medical records, witness statements, and repair estimates. In addition, the documents should be as detailed and well organized as possible for a stronger case against the denial.
Contact Your Insurance Company
After reviewing your policy and gathering evidence, call your insurance company. Keep your tone calm and polite but firm. Ask them to carefully explain their decision to you. If they require more documents, send them as soon as possible.
Also, note every discussion with the date, time, and the name of the person you talked to.
File a Formal Appeal
If your discussions with your insurer do not solve the problem, the next step involves requesting a formal appeal. Almost all of the insurance companies have the appeals process. Write a thorough, comprehensive letter explaining why you think that your claim should be approved. Attach all documents and evidence that support your appeal.
File a Complaint with Your State Insurance Department
When you feel your insurance provider is unfairly handling your case, approach your state’s insurance department and file a complaint. This is a government agency that regulates insurance companies and investigates complaints made by consumers.
At times, this will result in an action that will make the insurer reconsider their decision.
Final Thoughts
Insurance companies count on people giving up, but persistence often makes a difference. If one approach doesn’t work, try another.
Seek professional help if needed, and don’t be afraid to stand up for yourself. The process may take time, but fighting for what’s right is always worth it.
