A car accident is traumatic enough, but the aftermath can add insult to injury when insurance claims are denied or providers do not offer adequate compensation. A fair settlement should cover medical expenses, property damage, and other costs related to the crash. If you are dissatisfied with the insurer’s decision, you will likely wonder if you can appeal the outcome of your car accident claim.
Insurance adjusters can approve or deny claims but also make lowball offers. Here are the main reasons for an appeal:
- Policy exclusions: All insurance policies have exclusions that prevent policyholders from receiving benefits. An adjuster might interpret an exclusion differently than you do but may be willing to make an exception in your case.
- Inadequate compensation: Insurance companies frequently offer initial settlements that are too low to cover the claimant’s medical expenses, lost wages, and property damage. This can happen when the damages exceed policy limits, but that is not the only reason.
- Denial: An outright denial will leave you with no compensation.
How Can I Appeal the Decision?
While it is possible to appeal an insurance company’s decision, it can be complex to manage on your own. It is crucial to take action right after receiving the notice.
To start the appeal process, read the notice carefully to understand the explanation behind their decision. There could be a good starting point for you to challenge the notice. Research your state’s auto insurance claim rights and adhere to its stipulations; take the time to read your policy to ensure that you are entitled to coverage.
To support your appeal, gather evidence showing the full extent of your injuries and damages. If the insurer is challenging liability, you may have to gather additional evidence that shows you were not at fault. Then, a claims appeal letter can be written to the insurance company’s internal appeals panel with evidence to support your viewpoint.
What if My Appeal Is Denied?
If the first appeal gets denied, you can file a formal complaint with the insurer. Auto insurance companies have designated processes for handling customer complaints, but this is not necessarily the best route. You are also free to request a review by your state’s Insurance Claims Ombudsman. You must email or mail the Office of the Insurance Ombudsman in New Jersey.
Hiring an experienced car accident lawyer can make things easier, especially if you are recovering from injuries. They can handle the appeal process and use their knowledge and experience to pursue a fair settlement. This can make the healing process less stressful, allowing you to focus on caring for yourself and your loved ones.
Our Middletown Car Accident Lawyers at Mikita & Roccanova Are Experienced With Insurance Company Denials
If you need legal help after an accident, a skilled Middletown car accident lawyer at Mikita & Roccanova can help. Call 732-705-3363 or complete an online form for a free consultation. Located in Hazlet and Highland Park, New Jersey, we serve clients in Ocean County, Sussex County, Neptune, Middlesex County, and Pennsylvania.