We get auto insurance firstly due to the fact we are legally necessary to in order to drive, and secondly, to protect ourselves in the occasion of an accident. Depending on the extent of your coverage, you can file a claim for replacement, medical bills, damages or theft of your vehicle and great auto insurance companies will manage your claim swiftly and painlessly. However, be aware that even if you have insurance coverage, there is no guarantee that your claim will be accepted.
Widespread Motives for Claim Denial:
• Not portion of coverage
If you only get minimum liability coverage, then chances are that the extent of assistance you’ll get from your insurer is incredibly restricted. For example, minimum liability will not cover damages to your personal car if you have an accident. If the other celebration is an un/underinsured driver, you greater have collision or Underinsured Motorists Coverage, or you can kiss your compensation goodbye.
• You do not qualify to be covered beneath the certain policy
You will be denied coverage if you are not legally covered below the policy. For example, if you are a high risk driver or a teenager, your name may particularly be excluded from the policy, and in that case, you will not obtain compensation and any claims you make will be denied.
• Lapsed coverage
If you fail to pay your insurance coverage premiums, possibilities are the insurance firm will drop Direct Auto Insurance coverage you.
If you have an accident even a day after your insurance coverage business has cancelled your policy, you are uninsured and will have to pay for all the damages on your own.
If the quantity you claim exceeds the limits stipulated by your policy then the claim will be denied. The insurance coverage organization will only pay a specific amount, which is specified in your policy, and any quantity beyond that will not be covered.
If your claim is fraudulent, then the insurance firm will deny it and most likely cancel your policy. Don’t forget that becoming charged with insurance coverage fraud will get you into severe problems with the law, ranging from fines to jail-time.
If your claim is wrongfully denied:
There are situations when insurance organizations wrongfully deny claims. If this takes place to you, know that you are not helpless. Your insurance company is legally bound to settle genuine claims that fall within the limits of your policy, and there are measures you can take if you think that they have neglected to do so.
• Get in touch with your insurance coverage provider with documentation
The initial factor to do is contact your insurance coverage company. Make confident that all your proof is in place, like eye-witness testimonies, policy reports, photographic evidence, and so on., and present it to your insurance coverage company. Ask them to reevaluate your claim and reconsider their denial.
• File an Appeal with Direct Auto Insurance State Insurance Commissioner
If reasoning with your insurance provider doesn’t function, then you must file an appeal with your State Insurance Commissioner. Enclose the letter sent by your insurance coverage organization when they denied your claim (they are necessary to send you written notice of denial) in your appeal.
• Employ an Lawyer
Your subsequent recourse is to employ an lawyer and sue your insurance coverage provider for undesirable faith, breach of contract, and/or violations of your state’s insurance code. Make confident that you take prompt action due to the fact every state has a specific time limitations on filing claims, and if you have exceeded it you might not be allowed to take legal action against the insurance coverage organization.
• Switch to a New Provider
Even if your car insurance coverage firm comes around following you take these measures, deliberate wrongful denial of a claim clearly tells you that they are unethical and unreliable. With this information, it is clearly time to get auto insurance quotes on the web from reputable, reputed providers and switch to the one that offers you the greatest vehicle insurance coverage rates.
Buying insurance offers you the proper to file claims when you need to have to but your claim will not be accepted unless it falls within the limitations of your policy. Nevertheless, if a claim is wrongfully denied, make sure that you fight for your rights, and do every thing you can to get the compensation that is rightfully yours.
Direct Auto Insurance coverage
Originally posted 2013-09-28 19:31:24.