Appealing a Denied Auto Accident Insurance Claim in Texas

After an accident, you expect the auto insurance company of the at-fault party to pay for your losses. Then, you could move on. The challenge here is that this does not always happen. Insurance companies may refuse to pay the compensation paid, even outright denying their responsibility. You have the right to appeal a denied auto accident insurance claim in Texas, and can do so with the help of a car accident lawyer.

How to Respond to a Denied Auto Accident Insurance Claim

Insurance companies may send you a letter or contact you directly to inform you that they are not paying your claim. The denial usually comes with some type of explanation. This often includes some reason why they believe they do not have to pay. Examples might include:

• Lack of evidence of the incident occurring
• Stating they do not maintain coverage for the losses you have
• Stating they need more medical evidence that the accident caused your injuries
• Denying their responsibility in covering the person who caused the accident
• Stating your claim is unreasonable

No matter what they state is their cause for denial, know that you have the right to additional claims and appeals of their decisions. Before you make any statement or adjust the value of your claim, seek the guidance of an attorney.

Appealing a Denied Auto Insurance Claim in Texas

You can appeal the insurance company’s decision in several ways. The first route is to provide a claim that includes the missing or incomplete information that the insurance company stated was the reason for their denial. If they wanted more photographs or needed a police report, resubmit your claim with the missing information.

You can also submit information without filing an actual appeal. The insurance company must review the evidence you present. If they continue to deny your claim, especially after you supply them with the information they request, it is time to hire an attorney.

What to Do After a Denial

After you read through the car crash denial letter, you should then consider these steps:

• Contact your attorney to allow them to further investigate your case and gather any evidence that supports your claim. Your attorney will use the denial letter as a tool to create a comprehensive appeal.
• Gather all possible evidence. The more evidence you have to substantiate your claims, the harder it is for the insurance company to deny coverage. Your attorney may have additional routes to take to support you in that process.
• A formal appeal occurs when your attorney submits the claim again. They will negotiate and work with the insurance company to reach a settlement.
• If no settlement seems possible, mediation or arbitration may be an option. These individuals strive to find common ground in this instance.
• In situations where this does not work, you can file a lawsuit against the at-fault party for the damages you have suffered. You may go to court with the case.

If you believe the insurance company was acting in an unjustified manner, file a complaint with the Texas Department of Insurance. They will investigate what happened to determine if the insurance company was acting in an illegal manner.

Contact Us for a Free Consultation

Turn to The Doan Law Firm now for a free consultation. Let us appeal a denied auto accident insurance claim for you. Our Texas car accident lawyers are ready to fight for you.