What to do when an insurer denies a claim?
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What to do when an insurer denies a claim?
I have an auto insurance policy (full coverage) and was in a storm which resulted in damage to my vehicle. My insurer states that it was not damage from the storm but damage that occured over time. I’ve had 2 body shops look at it and they said that it was damage done all on 1 day and consistant to the timeframe of the storm. The rep for my insurer tells me that I should file a police report of vandalism and submit that. It’s getting out of control and the insurer will not fix my car at all. They state that there is damage but since they don’t know what type of damage it is, they will deny it 100%.
Asked on June 12, 2012 under Insurance Law, Minnesota
Answers:
FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney
Answered 11 years ago | Contributor
If your auto insurer has denied your claim with respect to damage to the car that you are writing about, you have the following options:
1. make a complaint against it with your state's Department of Insurance. This entity fields consumer complaints against insurance carriers and conducts investigations into such matters;
2. consult with an attorney who practices in the area of insurance and consumer law to assist you in your matter.
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