What to Do After a Car Insurance Claim Denial

## Short Answer

After a car insurance claim denial, get the denial in writing, review the specific reason against your policy, gather additional documentation if needed, and file a formal appeal with the insurance company. If the appeal fails, file a complaint with your state insurance regulator.

Step 1: Get the Denial in Writing

You have the right to receive a written explanation of why your claim was denied. If you only received a verbal denial, request a written denial letter with the specific reason and policy provision cited.

Step 2: Review Your Policy

Compare the denial reason against your actual policy language. Insurance companies sometimes deny claims incorrectly or apply policy exclusions too broadly. Reading the exact policy provision yourself — not just the adjuster's summary — is important.

Step 3: Gather Additional Documentation

If the denial was based on insufficient documentation, gather what is missing: police reports, repair estimates, photographs, medical records, or witness statements.

Step 4: File a Formal Appeal

Most auto insurers have a formal internal appeal process. Submit your appeal in writing, address the specific denial reason with documentation, and keep copies of everything. Note the deadline for filing an appeal — missing it may waive your right.

Step 5: Request an Independent Review or Appraisal

For disputes about the dollar amount of a claim, many auto policies include an appraisal clause that allows both sides to get independent appraisals and have a neutral umpire resolve disputes.

Step 6: File a Complaint with Your State Insurance Commissioner

Every state has an insurance regulator that handles complaints about insurers. Filing a complaint is free and can prompt the insurer to reconsider. Find your state's department of insurance through the NAIC at naic.org.

Step 7: Consult an Attorney

For significant denials, a bad faith insurance attorney can evaluate whether the insurer's denial was proper and whether you have grounds for a legal claim.

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*This article is for general informational purposes only and is not legal advice. Consult a licensed attorney for advice specific to your situation.*