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Auto Insurance Claims/what happen when your internal apeal deny

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Expert: - 2/22/2010


Question
Can a insurance company deny your claim base on a statement of there insurer and not a actual investigation and refuse to send you a letter stating the reason why it was deny

Answer
Hi Altimond,

An insurance company can deny a claim based on the statement of their insured if they feel it is credible. In most states they are required to respond to you in writing with the reason for the denial. If the insurance comapny is refusing to provide you with a written denial letter, you may want to contact your state insurance commissioners office to file a complaint.

If your claim is unfairly denied, you can file the claim on your own insurance if you have collision coverage or you may have to file a law suit in small claims court.

I hope this helps
Richard Hixenbaugh  

Auto Insurance Claims

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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 25 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 35 times.

Organizations
Society of Certified Auto Appraisers

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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