One of the questions that we commonly receive as personal injury attorneys revolves around how to appeal a car insurance claim decision. The aftermath of a car accident is often very stressful. You have to file an insurance claim to recover damages and get your life back on track. However, you may disagree with the insurance company’s decision. They may not approve the full compensation that you deserve, or they could deny your claim entirely.
The good news is that you can always dispute and appeal any decision they make regarding your claim. However, the process can be tricky to navigate which is why you should do so with the help of a car accident attorney. If you disagree with the decision made by your insurance company regarding your car accident claim, you can appeal the decision. This process involves gathering evidence such as a police report, witness statements, medical documentation, and photographs of the accident. You can also write an appeal letter explaining why you disagree with the decision and hire an attorney to review your case and advise you on the best way to defend your claim. In extreme cases, it may be necessary to file a lawsuit, but this is usually a last resort and should only be pursued after consulting with an attorney. It is important to remember that the ultimate goal is to get your claim approved and receive the full compensation you deserve for the damages from the accident. If you need help with the appeal process, it is recommended to seek the assistance of a car accident attorney or a legal team like HHJ Trial Attorneys in San Diego. Here’s what can happen and what you need to do if you disagree with their decision:
Claim Denial Letters
It’s not uncommon for victims of car accidents to receive claim denial letters. Every insurance company analyzes the facts they’re provided before approving or denying any claims. A denial letter outlines every factor that led to the decision and explains why the damages won’t be covered.
Reasons for the Insurance Company’s Decision
When it comes to how to appeal a car insurance claim decision, it’s important to realize that not every insurance claim is the same, and several factors could affect the outcome. Insurance adjusters look at all the available evidence and information from the accident. Their job is to uncover inconsistencies. They could even recreate the scenario of the accident to try to determine if there’s a misrepresentation of the facts. A personal injury lawyer can guide you through this process.
How to Appeal a Car Insurance Claim Decision
If the adjuster denies your claim or you disagree with their assessment, you can appeal their decision. You’ll have to follow several key steps, which include the following:
- Gather evidence. Make sure you’re obtaining and reviewing all the information that’s available regarding your case. It’s advised that you produce a police report, witness statements, medical documentation, and photographs of the accident. You’ll only strengthen your claim if you can stockpile evidence.
- Write an appeal letter. In the appeal letter, you should explain why you disagree with the insurance company’s decision and what prompted you to do so. Include as much detail as possible.
- Hire an attorney. You’re better off enlisting an attorney when you appeal the decision. They can offer you their opinions and determine the best way to defend your claim. If you’re adamant that the insurance company got it wrong, an attorney can review your case.
Keep in mind that certain car accident claims get denied for valid reasons. However, insurance companies don’t always make the right decision, in which case you should appeal. The ultimate goal is to get your claim approved so that it covers all the damages from the accident.
Filing a Lawsuit
In extreme situations, it can be necessary to file a lawsuit. The good news is that you likely won’t have to proceed all the way to trial. This is usually your last option when you’re dealing with insurance adjusters who’re uncooperative but do consult with an attorney before you decide to pursue a lawsuit. Filing a lawsuit is something that can be stressful and overwhelming. Therefore, it’s critical that you collaborate with a team who can walk you through the process in such a way that gives you the legal help and support that you need. Further, by working with HHJ when it comes to how to appeal your car insurance claim decision, you have the peace of mind of knowing that you are working with a team of experts who have years of experience in working with this process.
Get Help Today with Your Appeal
Here at HHJ Trial Attorneys in San Diego, we provide you with options if you disagree with a car accident claim decision. Our team of experts can help you get started and guide you through the process. Schedule a free consultation with us today, and we can review the facts of your case.
Testimonial from Chance, Car Accident Victim
Nothing is more stressful than a car accident that turns your life upside down. Thank you HHJ for helping put my mind to ease knowing I have the best team in San Diego working with me. Edward is amazing, I would recommend this hard working team to anyone. Thank you!