What Should I Do If My Auto Insurance Claim is Denied?

Being involved in an auto accident—particularly one that is not your fault—can be extremely frustrating and stressful.

Keep reading to learn what to do if your car accident insurance claim is denied.


Just because your claim is denied, that doesn’t mean you have to give up there. You have other options for recovering the compensation you are rightly entitled to.

If you disagree with the insurance company’s decision, you may file an appeal. Your best chances of a successful appeal start with hiring an experienced car accident attorney.

Keep in mind that insurance companies make money by taking in more funds through premiums than they pay out in claims. If an attorney files a claim, it carries more weight, which means the insurance company is more likely to take it seriously.



The first thing your attorney will likely do is draft a demand letter, which is a more official claim for compensation. This letter will provide the following details about your side of the story:

  • The dollar amount of your vehicle’s damage
  • The dollar amount of any bodily injuries
  • The reason why the other driver is to blame for the wreck

In response, the insurance company may offer more details about the following:

  • Why they denied the claim;
  • Why they’re offering just a mere portion of the demanded damages; or
  • Why they’ve decided to reverse their decision altogether

Your attorney may have better chances of negotiating a settlement than you do on your own since they will know what to say and what not to say.

If your auto insurance claim has been wrongfully denied, we may be able to help. Our attorneys are highly skilled in the area of car accident personal injury law and have helped many other people in similar situations. Let us see if we can help you, too. Don’t wait—contact our office right away with any questions you may have.

November 18, 2020

Call Taylor & Taylor Law Firm, P.A. today at (501) 267-9808 to discuss the details of your case.

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