Can I sue my car insurance company?

I was involved in a car accident a few weeks ago when a driver ran a red light and hit the passenger side of my vehicle. Luckily, my children and I were not injured but my car insurance company denied my claim! I know there is no way I could be at fault, but I feel like I’m running out of options. Can I sue my car insurance company?

Answer
Being involved in a car accident can be a traumatic experience, but it is a relief to know you and your children are safe!
While you can sue your car insurance company, it could lead to a lengthy and expensive lawsuit. Fortunately, there are a few steps you can take before filing a lawsuit.
First, make sure there are no mistakes in your claim. Then, identify why your insurance denied the claim by calling and speaking with a claims agent.
If you still believe your claim is valid, file an appeal. You’ll need to provide the following documentation:
  • A police report (if you have one)
  • Any correspondence you’ve had with your insurer
  • Pictures of the damages
  • Receipts for damages paid out of pocket
Finally, if the insurance company denies your appeal, try settling the dispute in mediation. Mediation involves an unbiased, third-party, professional mediator to help reach an agreement.
If mediation isn’t an option, you can consult an attorney. Keep in mind, hiring a lawyer is not cheap. Not every lawyer specializes in insurance claims either, so you’ll likely need to speak with more than one.
Regardless of the outcome, and since you’re unhappy with your current company, consider shopping around for new car insurance with the Jerry app. Jerry gathers quotes from up to 50 top insurance companies, ensuring you’re always getting the best rate and coverage.
Jack Walsh
Answered on Oct 22, 2021
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