How to challenge an insurance claim that has been denied Review your claim denial letter. The first thing you should do is review your insurance company's denial letter. If you can't present more evidence to support your claim, consider filing an appeal or requesting an appraisal from your insurance company. Your insurance policy will describe the steps you should take.
Make sure that you do what is stated in the policy and that you comply with the applicable deadlines. The easiest way to process an insurance claim appeal is to have an experienced and knowledgeable lawyer. When an insurance company denies a claim for what seems to have no reason, this is called a bad faith action. In other words, they are denying your claim without respecting the faith that you, as an insured driver, have placed in them through your contract and your premiums.
If your stolen car insurance claim is denied, you can appeal the decision after reviewing the reason for the denial of the claim. In addition, you may be able to file a claim of your own with your own auto insurance company, depending on your insurance coverage. Your phone, laptop, or other valuables should be listed on your homeowners or renters insurance policy, even if you often leave them in your car. You have much less legal influence over the insurance company when you file an insurance claim with a third party.
States vary in the definition of bad faith in insurance, but it usually refers to the unreasonable refusal of an insurance company to provide a benefit that is rightfully due under an insurance policy. To challenge a denied car insurance claim, you must file a letter appealing the insurance company's decision and seek the help of an experienced lawyer. Comprehensive car insurance can help replace your car if it's stolen or repair damage caused by theft or acts of vandalism. While some insurance companies may unduly deny claims for stolen vehicles, there are some common reasons why an insurer would deny a claim.
While comprehensive coverage will apply if your vehicle is stolen, no type of car insurance will cover the theft of your personal items from your vehicle. A lawyer specializing in car accidents knows how to deal with auto insurance companies and can guide you through the claim process after your insurance claim has been denied. It's important to note that normal liability insurance doesn't cover theft, as it only protects other drivers from bodily injury and property damage that results from an accident that you cause. If your car insurance claim is denied, it's probably because there are legitimate concerns about liability or damage.
While insurance companies (and their lawyers) are experts at using the language of insurance policies to their advantage, they are far from being infallible.