What to Do If the Insurance Company Denies My Claim

1. Read the denial carefully

Note the date, policy number, and stated reason (coverage, late notice, pre-existing condition, etc.). Insurers must explain many denials in writing.

2. Request your claim file

Ask for adjuster notes, photos, and any IME reports. You may need these for an appeal or lawsuit.

3. Fix fixable issues

Late notice? Show proof you reported promptly. Wrong vehicle? Correct VIN/driver info. Medical denial? Submit updated records.

4. Consider a formal appeal

Many carriers have internal appeal levels before litigation. Deadlines are short—calendar them.

5. Talk to a lawyer before giving up

Bad-faith and coverage disputes are fact-specific. A contingency-fee attorney may take cases insurers wrongly denied.

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