The trauma of being involved in an auto accident can be exasperated by the frustration of a denied auto insurance claim. You may feel angry or confused about the insurance company’s decision to deny your claim, but it is important to avoid directing your anger at your insurer. Here are the steps you need to take once you receive a denial notice from your auto insurance company.
- Determine why your claim was denied. The insurance company must send a written explanation for the denial, but the details may not be clear. Contact your auto insurance company to ask about the factors that were considered when they made their decision. The denial could be related to your level of coverage, so it is important to understand the details.
- Collect information proving that your claim is valid. Understanding the issues with your claim will give the opportunity to plan how you can prove that your claim is valid. You may need to gather more information about your policy, the other driver’s policy and the accident itself. Documentation from witnesses and a copy of the police report are essential when you are trying to dispute a denial from your auto insurance company.
- Consider filing a lawsuit against the insurer if the company does not respond to other requests for reimbursement on a valid claim. While you probably want to avoid a court case, some auto insurance companies fight tooth and nail to keep you from getting the compensation that you are entitled to according to your policy. It is important to hire legal representation for guidance through the legal process if you decide to take this route.
Auto insurance companies are in business to make money. While it is an unfair practice, some insurers will deny claims that they know are valid to avoid compensating a policyholder who was in an auto accident. Insurance companies that participate in the practice of denying valid claims are hoping that insured individuals will just give up. Fighting back is the only way to get the compensation that you are entitled to under your auto insurance policy.
Anyone who is dealing with the disappointment of a denied auto accident insurance claim should consult with a personal injury attorney. An attorney who has experience in cases related to Lakeland auto insurance claims will be able to gather information about the claim to help clients get much-needed compensation after an accident.