What to Do if Your Auto Insurance Claim is Denied

If you've been in a car accident and expected your insurance company to pay for damages or injuries, it can be a frustrating experience to have your claim denied. But don't give up just yet. There are still steps you can take to appeal the decision and get your claim approved.

Contact Your Insurance Company

Contact your insurance company to find out why your claim was denied. They should provide you with a detailed explanation of their reasoning. It's possible there was a mistake or misunderstanding that can be easily resolved.

Review Your Policy

Review your policy to ensure that your claim is covered under your policy. Look for any exclusions or limitations that may have been applied.

Gather Evidence

Gather evidence that supports your claim. This can include photos of the accident scene and damage, witness statements, police reports, and medical records.

Get a Second Opinion

Get a second opinion from an independent appraiser or mechanic to confirm the extent of the damage and the cost of repairs. This can help strengthen your case and show that the insurer's assessment is incorrect.

Consider Mediation or Arbitration

Consider mediation or arbitration as a way to resolve the dispute. This can be a faster and less expensive option than going to court.

Consult with an Attorney

If all else fails, consult with an attorney who specializes in insurance law. They can review your case and advise you on the best course of action, including the potential to file a lawsuit against the insurance company.