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What Can You Do if Car Accident Insurance Claim is Rejected?

car accident insurance claim rejected

Your insurance can be likened to forced savings that you built up over the years, so you’ll at least have a fallback as your need manifests.

You’re not actually wishing or anticipating accidents to happen–you’re just trying to cushion yourself against financial surprises.

But as rules and policies change over time, there might just be instances when your insurance gets rejected when claim times arise.

Well, there’s no saying that it’s really okay. But hey, it’s not a hopeless scenario–these tips here might just save your day.

I am writing this article because I am a bestselling wellness author with about 2 million books sold globally.

Plus I founded a groundbreaking video course called The Anxiety Cure.

I love sharing tools to help people live their happiest and and most successful life.

With this mind, I created this article about how to stay calm and move forward wisely with your car accident insurance claim in case it’s gotten rejected.

Some Things To Do When Your Car Accident Insurance Claim Got Rejected

Review the Denial Letter

It would be understandable if you’d freak out when you receive a rejection notice for your car accident insurance claim. But just take a deep breath, sit down, and review the denial letter. Understanding the reasons might be essential before taking another step about it.

Some issues might be:

  • Incomplete Information

Your insurer may have found that the information provided in your claim was incomplete or inaccurate. Just double-check the details then, and ensure everything is accurate and well-documented.

  • Policy Exclusions

It’s also possible that your claim falls under the exclusions outlined in your policy. You see, policies often have these specific situations or events that they don’t cover. Just do a double check and make sure that the incident you claimed aligns with the coverage you applied for.

  • Policy Lapses

You might not be aware whether your policy is still in force and effect. In many circumstances, you will get rejected if your policy lapsed or was no longer active at the time of the incident. It’s best to talk honestly and openly with your insurer about whether a policy renewal or retroactive policy can be possible.

Still, many reasons affect why your claim got rejected, and it’s best that you ask the aid of experts when it comes to them. You can call and consult your lawyers or visit Vaughan & Vaughan, especially if you’re in Indianapolis. They’re your reliable attorneys should you feel the need to fight for and pursue your claim despite the rejection.

Contact Your Insurer

After you get the rejection letter and read it thoroughly, it’s time to contact your insurer for some clarifications. Often, there were just misunderstandings or missing information that can be easily resolved through effective communication.

Gather Evidence

It’s best to collect all relevant documents, like photos or videos, witness statements, and other evidence that can support your claim. It might be different from a personal injury claim–still, your attachments have to include all the evidence you can gather. 

These proofs from the incident or accident could well support your case during the appeal or resubmission for reconsideration.

Understand Policy Terms

After reading the rejection notice, take a little time to familiarize yourself with some crucial words in your policy and its terms and conditions. Some terms that can hugely affect your claim are: 

  • Coverage Limits
  • Exclusions
  • Endorsement/Rider
  • Policy Term (life of the policy)
  • Underwriting
  • Policy Conditions

It’s quite vital to know what is covered and what isn’t. You’ll find this information and knowledge handy when you discuss your specific situation with your insurer later.

File an Appeal

You might find out that the rejection is quite unjust, so it’s time to file your appeal with your insurance company. Just clearly state your case:

  • Provide complete but concise reasons for your appeal;
  • Address each of the reasons for rejection;
  • Explain the context, like an overview of the incident;
  • Attach supporting evidence;
  • Be specific and detailed;
  • Refer to a policy term that supports your claim;
  • Request for a Review.

Conclusion

There can never be a hard and fast rule when it comes to your car accident insurance claim. But it’s more to your advantage if you keep your cool and read through the claim’s denial first so you can take the most reasonable courses of action afterward.

Stay Calm in Stressful Times

Explore my bestselling and therapist recommended online course called The Anxiety Cure Course.

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