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About Richard Hixenbaugh
Expertise
Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.
Experience
I have been involved in the insurance industry for over 20 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 10 times.
Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.
Past/Present clients
My company has done work for consumers nationwide.
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You are here: Experts > Autos > Auto Insurance > Auto Insurance Claims > denial of payment to a claim that wasn't at fault
Auto Insurance Claims - denial of payment to a claim that wasn't at fault
Expert: Richard Hixenbaugh - 9/27/2008
Question
my daughter was in a car accident that had a police report and it stated she wasn't at fault. the other persons insurance just denied her claim to get her car fixed. what can we do now to get them to pay? what should our next step be?
Answer
Hi Sharon,
First you need to get from the other insurance company a written detailed explanation of why they denied the claim. If they denied due to the other persons policy being cancelled, then you would have to file suit against the at-fault driver personally. If they denied the claim because they do not believe that their driver was at fault, then you have 2 choices;
1) you can place the claim with your own collision coverage if you have it and your insurance company will fight it out with the other company.
2) you can file suit against the at fault driver, present your case and evidence to the judge and if you win then they will have to pay the claim.
I hope this helps
Richard Hixenbaugh
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