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How do I win a car insurance appeal if my carrier denies a claim?
My insurance company denied my claim after an accident! I seriously need that money. How do I win my car insurance appeal?
Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Winning an insurance claim appeal depends on your ability to be persuasive and show the facts.
If your
claim was denied
or if you feel it is too low, you can and should appeal the decision with the insurance company.First, study the claim denial letter to understand why the insurance company compensated you in the matter they did. This will make it clear what you need to convince them of in the appeal. In some cases, you may feel unfairly compensated, but your coverage limits may have been lower than you anticipated.
To appeal, don’t go directly to your car insurance provider. Instead, contact your state’s department of insurance. This organization will let you know how to file an appeal, as this department regulates auto insurance and other types of insurance for the entire state.
When appealing, include all paperwork and documentation of the accident. This includes
- Police reports
- Photos of the accident
- Car repair quotes
- Medical statements or bills
Also be sure to explain any extenuating circumstances that you feel are relevant.
If you are worried about your ability to make an appeal, consider hiring an accident attorney to represent you. In some cases, the attorney can settle out of court or take on the insurance company. While you may have to pay attorney fees and court costs, the upside of getting a larger settlement is sometimes worth the expense and battle.
If you’re tired of your current insurance provider, use insurance broker
Jerry
to help you switch! Jerry is a free app that provides personalized quotes and recommendations in just seconds. Plus, Jerry will take care of all the paperwork to switch your insurance and cancel your old policy.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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