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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 Virginia. 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.

Free Auto Insurance Quotes in Virginia

Accomack County
Franklin County
Norton City County
Albemarle County
Franklin City County
Nottoway County
Alexandria City County
Frederick County
Orange County
Alleghany County
Fredericksburg City County
Page County
Amelia County
Galax City County
Patrick County
Amherst County
Giles County
Petersburg City County
Appomattox County
Gloucester County
Pittsylvania County
Arlington County
Goochland County
Poquoson City County
Augusta County
Grayson County
Portsmouth City County
Bath County
Greene County
Powhatan County
Bedford County
Greensville County
Prince Edward County
Bedford City County
Halifax County
Prince George County
Bland County
Hampton City County
Prince William County
Botetourt County
Hanover County
Pulaski County
Bristol County
Harrisonburg City County
Radford City County
Brunswick County
Henrico County
Rappahannock County
Buchanan County
Henry County
Richmond County
Buckingham County
Highland County
Richmond City County
Buena Vista City County
Hopewell City County
Roanoke County
Campbell County
Isle Of Wight County
Roanoke City County
Caroline County
James City County
Rockbridge County
Carroll County
King And Queen County
Rockingham County
Charles City County
King George County
Russell County
Charlotte County
King William County
Salem County
Charlottesville City County
Lancaster County
Scott County
Chesapeake City County
Lee County
Shenandoah County
Chesterfield County
Lexington City County
Smyth County
Clarke County
Loudoun County
Southampton County
Clifton Forge City County
Louisa County
Spotsylvania County
Colonial Heights City County
Lunenburg County
Stafford County
Covington City County
Lynchburg City County
Staunton City County
Craig County
Madison County
Suffolk City County
Culpeper County
Manassas City County
Surry County
Cumberland County
Manassas Park City County
Sussex County
Danville City County
Martinsville City County
Tazewell County
Dickenson County
Mathews County
Virginia Beach City County
Dinwiddie County
Mecklenburg County
Warren County
Emporia City County
Middlesex County
Washington County
Essex County
Montgomery County
Waynesboro City County
Fairfax County
Nelson County
Westmoreland County
Fairfax City County
New Kent County
Williamsburg City County
Falls Church City County
Newport News City County
Winchester City County
Fauquier County
Norfolk City County
Wise County
Floyd County
Northampton County
Wythe County
Fluvanna County
Northumberland County
York County

Major Cities in Virginia

Alexandria
Newport News
Portsmouth
Chesapeake
Norfolk
Virginia Beach
Hampton


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