AAA Auto Insurance Company

According to AAA Auto Insurance Company, an insurance claim may end up being denied for any number of reasons. If you file a claim that ends up denied, you should take time to carefully review the reasons listed in the denial letter. Then you should read over your auto insurance policy. You could find that the denial was issued in error or based on insufficient evidence. Of course there is also the possibility that the insurance company made the best choice with the evidence presented.

Why Claims are Denied

There are so many different reasons a claim could end up denied that it would be too difficult to mention them all. Here are some common reasons auto insurance companies may choose to deny your claim:

  • You may not have purchased coverage for the claim presented. For example, if you own a car that only has liability coverage, yet you submit a claim for damage done to your vehicle, you will be denied.
  • You filed an uninsured motorist claim but it was later discovered that the other motorist had auto insurance coverage.
  • You are not listed on the policy. For example, if you are a teen driver whose name was not added to the policy because your parents expect you to drive their car, your claim would end up denied.
  • You have allowed your coverage to lapse because you have missed a payment.
  • The amount of damage to your car is much more than the limits of your policy will cover.
  • You purchased a new car and forgot to switch the insurance from your old car.

Appealing Your Claim

If you have reviewed your auto insurance company’s reasons for the denial and you still feel that your claim was denied unfairly, there are steps you can take to try to remedy the situation. Under your policy and state law, you have the right to settle your auto insurance claim in good faith.

The first thing to do if you have been unfairly denied is to write the insurance company back and explain exactly how you feel their decision was in error. You should be able to provide some sort of documentation as evidence in support of your point of view. If you find yourself unable to get anywhere with the insurance company, but you still feel the need to pursue the matter further, then you may also consider appealing the company’s decision to the State Insurance Commissioner. If you continue having problems, you can always hire an insurance bad faith attorney to discuss the error with the insurance company; or proceed with suing your auto insurance company for bad faith, breech of contract or any other violations of the state’s insurance code as it applies.

Discussing Your Denied Claim

If you point out a legitimate error and the insurance company recognizes their mistake, the claims adjuster will reopen your claim and begin launching an investigation. If they stand firm about the denial, ask them to explain the situation so that you are able to understand their point of view completely.

If you believe that your insurance company has unnecessarily denied your claim, you have the option to sue. If you decide to take the issue to court, make sure to find an auto accident attorney who has extensive experience dealing with insurance coverage litigation.

For more information, just plug your zip code into the quote box at the top of the page or on the home page to find AAA Auto Insurance right now.

AARP Auto Insurance Company

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