Insurance companies are supposed to be there to help us after car accidents, allowing us to recover compensation for losses like medical expenses and property damage. Unfortunately, it doesn’t always work out the way we want it to, and sometimes the claims are denied. You don’t have to give up, though. There are ways to appeal your claim and fight back against these large companies that don’t want to pay what they owe you.
Understand the Denial
When your insurance claim gets denied, the insurer must give you a written reason. Take a close look at what they’ve stated. Denials happen for lots of reasons; sometimes it’s because information was left out, your policy had specific exclusions, payments lapsed, the costs aren’t covered, or you missed an important filing deadline.
Review the Policy Carefully
Go back through every detail of your policy. Check your coverage limits, who qualifies for the benefits, and when claims must be filed. Sometimes a denial simply comes from a mix-up or confusion about how the coverage works. Making sense of the fine print can reveal misunderstandings or mistakes.
Gather Supporting Documentation
A strong appeal depends on good evidence. Collect all your medical records and bills, along with repair shop estimates or receipts that show the cost of fixing your property. Be sure to get a copy of the police report from the accident, as it details what happened and sometimes includes notes about who the officer thought was at fault. Photos and videos from the scene can highlight damage and injuries for the adjuster.
It also helps to save any statements from witnesses or email exchanges with insurance agents. This complete record backs up what you’re claiming and gives your appeal the best chance of success.
Write a Formal Appeal Letter
The formal appeal letter explains your side. Include your insurance details and claim numbers at the start. Use this letter to cover why you believe the denial was wrong, or incomplete, and match up your explanation with specific passages from your policy. Attach all supporting documents and be direct in your request.
Follow Up With the Insurer
After sending in your appeal, don’t lose contact. These appeals often take from 30 to 90 days, but waiting quietly can mean your claim gets overlooked. Check in occasionally to make sure everything is still under review and nothing falls through the cracks.
Insurance companies are often hoping that you’ll forget about your claim and move on, meaning they don’t have to pay you anything. Don’t let them take advantage of you in this way.
Escalate if Needed
If you’re not getting the help you need or receive another denial, you have other options. You might go through a second appeal step, ask for a professional in a neutral external review, or get in touch with Georgia’s state insurance department for another look.
Contact a Lawyer
If dealing with your insurer becomes overwhelming or you continue to hit a wall, consider reaching out to an experienced Alpharetta car accident lawyer. An attorney understands complex policies and deadlines, and they know how to push for a fair outcome. Often, just having a lawyer on your side means the insurance company will take you and your appeal more seriously.
If you need help with an appeal, our team is always available. Reach out today to schedule your free case evaluation.