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Understanding Auto Insurance Claims

I don't know why my auto insurance claim was denied and I'm not sure what do.

Whether you like it or not, the insurance company makes the last decision when it comes to approving you for an auto insurance claim in Georgia. One thing to remember when filing a claim is to never stop paying on your premium and switch to another company. The first thing your current company will do is cancel your coverage for non-payment of your premium, which is one of the most common reasons for having a claim denied.

If you think that your insurance company is not going to share your information with other insurance companies you're wrong. Let's just say that you back up into a tree and dent the back of your car in the process. Before your claim is settled, you hurry and try to get cheaper insurance elsewhere before your current premium increases. What you don't know about your claim is that if you think this is your way to a better premium, you're wrong. It is the quickest way to get your claim denied.

Sometimes you may even make an uninsured motorists claim and it turns out the other party had insurance. Or perhaps your coverage lapsed because you failed to pay the premium before the end of the grace period. Either way, those are all reasons you may have been denied. Now you're probably wondering what to do now that you have a bent bumper and your tail light is busted. There are a few things you can do, if you feel that you have been wrongfully denied.

The first thing is to at least try to write the company and let them know that they made an error. Don't forget to send them your supporting documentation proving your case. You also have the option to appeal the decision made by the company to the State Insurance Commissioner. Their job is to make sure that all insurance agencies obey their state insurance laws. They will investigate the insurance company about your auto insurance claim. If you need to take things a step further there are bad faith insurance attorneys that you can hire to talk to the insurance company. After that you can take legal action against the insurance company for breach of contract, bad faith, or violations of your state's insurance codes.

One of the things you don't want to do is not follow up and have your claim erroneously denied. Your claim will be reopened if the insurance company finds that you are correct and they will move forward with your investigation. Remember that you have the burden of trying to prove why you have suffered a loss but the insurance company has the burden of trying to prove why they have denied your claim. If you make sure that you have all of your paperwork together and certified copies of everything involving your investigation you might give yourself a chance to win.

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Appling County
Evans County
Newton County
Atkinson County
Fannin County
Oconee County
Bacon County
Fayette County
Oglethorpe County
Baker County
Floyd County
Paulding County
Baldwin County
Forsyth County
Peach County
Banks County
Franklin County
Pickens County
Barrow County
Fulton County
Pierce County
Bartow County
Gilmer County
Pike County
Ben Hill County
Glascock County
Polk County
Berrien County
Glynn County
Pulaski County
Bibb County
Gordon County
Putnam County
Bleckley County
Grady County
Quitman County
Brantley County
Greene County
Rabun County
Brooks County
Gwinnett County
Randolph County
Bryan County
Habersham County
Richmond County
Bulloch County
Hall County
Rockdale County
Burke County
Hancock County
Schley County
Butts County
Haralson County
Screven County
Calhoun County
Harris County
Seminole County
Camden County
Hart County
Spalding County
Candler County
Heard County
Stephens County
Carroll County
Henry County
Stewart County
Catoosa County
Houston County
Sumter County
Charlton County
Irwin County
Talbot County
Chatham County
Jackson County
Taliaferro County
Chattahoochee County
Jasper County
Tattnall County
Chattooga County
Jeff Davis County
Taylor County
Cherokee County
Jefferson County
Telfair County
Clarke County
Jenkins County
Terrell County
Clay County
Johnson County
Thomas County
Clayton County
Jones County
Tift County
Clinch County
Lamar County
Toombs County
Cobb County
Lanier County
Towns County
Coffee County
Laurens County
Treutlen County
Colquitt County
Lee County
Troup County
Columbia County
Liberty County
Turner County
Cook County
Lincoln County
Twiggs County
Coweta County
Long County
Union County
Crawford County
Lowndes County
Upson County
Crisp County
Lumpkin County
Walker County
Dade County
Macon County
Walton County
Dawson County
Madison County
Ware County
Decatur County
Marion County
Warren County
Dekalb County
Mcduffie County
Washington County
Dodge County
Mcintosh County
Wayne County
Dooly County
Meriwether County
Webster County
Dougherty County
Miller County
Wheeler County
Douglas County
Mitchell County
White County
Early County
Monroe County
Whitfield County
Echols County
Montgomery County
Wilcox County
Effingham County
Morgan County
Wilkes County
Elbert County
Murray County
Wilkinson County
Emanuel County
Muscogee County
Worth County

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