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3 things to do if your insurance company denies your claim

The news was unexpected. Your insurance company has denied your claim after a motor vehicle collision in which you sustained injuries. A settlement will go a long way to pay for your medical bills and loss of income.

In many cases, claim denials are valid, but others are not. You hope that by completing some critical and calculated steps that you can get the insurance company’s decision reversed.

Collect evidence and file an appeal

If you believe a mistake has been made by the insurance company, it is recommended to file an appeal. Understand that the insurance company will do its best to block you at every move, but do not be disheartened.

What must you do to help your situation after your insurance company denies your claim? Here are three important steps to take:

  • Collect and review evidence: The documents provided by the insurance company need scrutiny. It may contain mistakes and misrepresentations. You also need to gather supporting evidence to help your case. Evidence should include medical reports, police reports, witness testimony and photographs. Submit copies to the insurance company.
  • Write up a letter of appeal: Clearly explain in detail the reasons you disagree with the insurance company’s decision. Also, explain the reasons why you provided the supporting evidence that included medical and police reports. Make sure to address policy information and the denial claim.
  • Retain a skilled attorney: Investing in an attorney may be a worthwhile endeavor. An attorney will review your case and the supporting evidence. In addition, an attorney will seek answers from the insurance company as to why it denied your claim.

You do not agree with the insurance company’s denial of your claim. Now, it is time to advocate and fight for yourself.

Overcoming another challenge

Being involved in a motor vehicle crash and sustaining injuries is stressful enough. That stress can only add on now that the insurance company has denied your claim. Filing an appeal is a smart move. Granted, it will prove challenging to get the insurance company to reverse its decision. But it is possible.

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