It is the right thing for you to fight back if an insurance company ever denies to pay you auto claim. It is still up to the victim to take necessary action since the initial claim has been denied because if a claims investigator decides to deny paying for your property damage or bodily damages then he must have gathered enough evidence or facts already that would support his actions in court. This might also mean that the investigator is still open to negotiation but nothing might be done till you decide to take action. This is why we want to show you what to do when an insurance company refuses to pay auto claim in this detailed article.
If a claims investigator is able to formalize your liability denial then he might be expecting you to just let it go and walk away. However, you are not going to walk away or give up the fight so easily and like we said earlier, fighting an insurance company that refuses to pay your auto claims is not out of place. That is why you have this article at your disposal as it is going to guide you on what you should do and what you shouldn’t so you can be able to get your claims approved and accepted.
Insurance Company Refuses To Pay Auto Claim
Avoid Emotional Response
If an insurance company denies your insurance claim, the easiest response anyone can give is to get angry. Anger is a gut reaction everyone might give out when they find out that their insurance claim has been denied but that still doesn’t mean that the decision would be reversed. It is common for insurance companies to deny claims and this is because they are used to rants, anger and maybe threats of legal action. Claims personnel would prefer victims not to get angry but angry reactions sometimes inspires them to change their position.
If an insurance company denies your claims, if you don’t fight back then it is considered as a success. The only time insurance companies can reconsider their position is if new facts are presented to backup a victims case or maybe a legal theory which would force them to reexamine their initial denial. If you have serious injuries from a car accident and somebody else is responsible for your injuries then you shouldn’t walk away but instead, contact a lawyer that would review your case and also be of help to you.
Find Out Why The Insurance Company Denied Your Claim
It is impossible for you to fight a claim denial unless you are able to figure out why the claim got denied in the first place. You would be needing more information and also in writing the reason why your claim got denied in the first place and it is proper for claims department to send out letters to victims regarding why their claims got denied and if you don’t get a letter to this effect then you should contact the claims representative that denied your claim and ask him for the letter so you can have a better idea of his decision.
There are lots of reasons why insurance companies deny claims and whether they admit to paying your claims or not, they should have coverage information or evidence that would support their decision. If you are able to provide valid information that contradicts their decision then you might be able to force them to approve or accept your claim. This also takes us back to the beginning of this article where we told our readers that it is wrong to back down if your claim gets denied. Always give it a fight because it would be worth it.
Suspicion Of Fraud
Your claims can be denied if the insurance suspects a case of fraud and this can also frustrate you and irritate you at the same time. It is the duty of claims investigators to identify fraud claims and unless proven otherwise, they always see claims as a possible fraud action. They are trained to look at an injured claimants accident circumstances, injuries, income and economic situation. If they end up finding an indication of fraud then they would go ahead and deny your claim.