Tell your insurance professional that you are not satisfied. If the agent or representative cannot resolve your problem, get the name and phone number of the head of the insurance company's claims department. Your insurance company may also have a consumer complaints department that can help. If you don't agree with your insurance adjuster after a car accident, you don't have to simply accept your liability determination.
Instead, you can (and should) challenge the outcome of your claim. Your claim doesn't end when an adjuster informs you of their decision. Your next steps will depend both on (a) what has happened with your claim to date and (b) on how much time has passed since you received the assessment from the appraiser. If your auto insurance policy believes that the accident doesn't cover the accident, the insurance company will send you a formal letter stating the factors that led to the decision.
The first step in determining the validity of a denied car insurance claim is to understand the denial letter of the claim and the reason why an auto insurance company decided not to make a payment. If you had your own car insurance policy and you filed your claim with them and your policy was active, you should be able to recover the compensation you need. New York's auto insurance laws are unique, and many people have misconceptions about their legal rights after a collision. There are many different reasons why an auto insurance company might deny your initial claim, but you must learn how to respond in order to fight back.
For example, you could gather documents such as eyewitness reports, photographs, medical records and police reports and relate all the evidence of your car insurance claim to the argument you make against the appraiser who made this decision. It's likely that at-fault driver's insurance will be used to identify this property damage limit, so it can be very frustrating to learn that the other driver didn't have adequate insurance. However, if your car is stolen or you cause an accident, the insurance company won't be able to help you without proper coverage. Most auto insurance companies have their own process for you to appeal the claim, and you can ask the adjuster what steps you would need to take to challenge it.
However, if you miss the deadline for renewing your insurance or filing a claim, you should never wait for your insurance company to notify you of missed or upcoming deadlines. If someone causes an accident with you, provides false insurance information, or goes on the run, finding the right insurance details can be difficult or impossible. Some people may assume that they have no other options available and will give up immediately, but once you know how to appeal your car insurance claim decision, you can present additional evidence to help you get the support you're owed. However, an insurance company can deny auto insurance claims and policyholders may believe that they have few options and may worry about the financial expenses of having to deal with these situations themselves.
In some cases, a claim may even be denied out of bad faith or misrepresentation of the facts, so it's important to be truthful and accurate with your car insurance company when filing your claim.