Car Insurance Claims Overview

Studies indicate that most American households own two or more vehicles and approximately one in four own three or more. Almost one in three drivers has submitted a car insurance claim in the last three years. Twenty percent had a single complaint and 1 in 10 car owners multiple complaints in the last three years.

Polls also indicate that nearly 40 percent of those who filed claims in the last three years there were several car accidents. One out of six submitted by a car accident. In addition, studies also show that drivers over 65 are the group most likely to file a claim due to several car accidents. Drivers in the 18-34 age groups are most likely to file a complaint with a single car accident.

Despite the accident in a bad mood, almost one out of five reported vehicle owners pay out of pocket for damages in their own cars or those of the other person. In addition, about 30 percent of the respondents who paid out of pocket did for fear that their premiums would increase if they had filed a complaint. Thirty-six percent paid out of pocket, because the damage is too small amount of complaining. However, 15 percent said they had no insurance as the reason for not filing an insurance claim.

What if your company refuses to pay the Car Insurance Claims?

There may be occasions when an insurance company denies a claim or refuses to pay. There are several reasons why a company can deny a claim. Some examples are:

  • Type of loss not covered by insurance policy
  • The person who suffered loss under the policy was not
  • The policy acted in a way that canceled coverage
  • The policy has expired
  • The policy does not reflect the vehicle in the accident
  • Demand exceeds the limits of politics
  • If you review your insurance policy and find that your claim was unfairly denied, there are things you can do to get a fair resolution. State law protects you as an insured motorist. There are state regulations that insurance companies must follow in reference to the response and resolution of a complaint. Your insurance company has the responsibility to resolve your claim in good faith.

    The first thing you need to do is write a letter to the insurance company and why you believe your claim was unfairly denied. Provide all documentation you may have to bolster his argument. If this fails, you may appeal this decision to the State Insurance Commissioner. In addition, you can hire an insurance bad faith lawyer. As a last resort, you can sue your insurance company for violations of state insurance code, bad faith, and breach of contract.

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