A lot of times people ask us if they have to take what an insurance company is going to offer in a case, and the answer is simply no.
Attorney Michael Timberlake
The chances of an insurance company offering the maximum settlement on a car insurance areaim is next to zero. The chance at a fair settlement is basically nonexistent when the insurance company outright denies your claim.
Fortunately, a denied claim does not mean you have to sit back and accept that decision. You have the right to dispute the company’s decision. Let’s explore potential reasons for claim denial and your options if you choose to dispute a wrongly denied claim.
Reasons your auto insurance company may have denied your claim:
- You provided false or inaccurate information. Making purposely false statements is grounds for denial. Small mistakes, such as incorrectly entering your date of birth, can be fixed. Lying about when, where, how and what led to the accident can trigger a denial.
- You filed a fraudulent claim. An example of a fraudulent claim can be saying an accident happened when no accident occurred.
- You failed to submit proof of losses. Proof of loss documents support your claim and may include car repair bills, medical bills, and police reports.
- You made illegal modifications to your vehicle. Specifically, modifications that create the inability to legally use the car on the street. For example, modifications that cause poor handling might result in a claim denial. Negligently operating the vehicle for events like drag racing could also lead to your car insurance company denying your claim.
Your car insurance claim was denied. Now what?
If you are denied, there are still ways to get your claim approved. Here’s what you should do when disputing a denied car insurance claim:
- Write an appeal letter. Explain why you feel the denial was inappropriate. Pr