Scott Law

How Do I Fight Against an Auto Insurance Claim Denial?

The approach to fighting an auto insurance claim denial will depend on whether it was a first-party claim or a third-party claim. A first-party claim is a claim that you filed against your own insurance company. If those claims are denied, you figure out the reason for the denial and address the issue, when possible. If you’re unable to address the issue you can give notice and then take legal action to settle the claim.

Learn Here: https://www.scottlawtx.com/what-are-some-common-reasons-that-car-insurance-claims-are-denied

Might an Insurance Company Deny My Claim Without Any Investigation?

An insurance company should not deny a claim without doing any investigation first. The law requires that they do a reasonable investigation before denying a claim. However, if they deny the claim without doing an investigation, you can only sue and win, if it turns out that you were in fact entitled to coverage and they wrongfully denied the claim. Just because they failed to investigate doesn’t in and of itself give you a right to sue or make you entitled to coverage.

For example, you file a claim for flood damage in your home, but you don’t have flood coverage, the insurance company may deny the claim without an investigation. You just mention flood and they denied the claim.

Learn here: https://www.scottlawtx.com/what-are-some-common-tactics-and-reasons-insurance-companies-use-to-delay-minimize-or-avoid-pay