There is nothing worse than being involved in a motor vehicle accident. Not only can this cause serious injury, but it can result in damage to your car as well.
At some point, you will realize that you need to file an insurance claim. If the other driver's insurance denies your claim, you'll want to take action without delay.
There are many things you can do, including but not limited to the following:
- Hire an attorney. This person can review your situation and help you understand what to do next. The insurance company is more likely to take you seriously when you're working with a legal professional.
- Send a demand letter. This includes more information on the accident, including details surrounding your injuries and damage to your vehicle. This typically leads to the insurance company providing more information on why the claim was denied, which you can then use to your advantage.
- Formal appeals process. If a demand letter doesn't work, you'll need to go through the formal appeals process as outlined by the insurance company.
If all else fails, you may have no choice but to push forward with a lawsuit. This isn't something you want to do, but it could be your last course of action. It's your hope that you are still able to reach a settlement before your case goes to court.
Insurance companies are in the business of making money. For this reason, they don't like to pay out money to settle claims. When they do, they hope to make things go away with a lowball offer.
If the other driver's insurance denies your claim, it's time to learn more about your legal rights.