How to Appeal a Denied Car Insurance Claim in Georgia

Filing a car insurance claim requires careful consideration of your rights but also proving what your losses are and who is at fault. It is not uncommon for insurance companies to deny claims, and they do so for numerous reasons. By understanding what your rights are and then taking action to build a strong claim that counteracts their denial reasons, you can appeal such decisions.

Working with an attorney to appeal a denied insurance claim in Georgia is ideal. In all cases, the following steps must be considered. Be sure to speak with a Newnan auto accident lawyer about your case.

Review the Reason Why

Before attempting to negotiate with the insurance company, determine the reason for the denial of the claim. Most often, they will provide you with specific information about the denial cause, such as insufficient evidence or a lack of proof of fault. Understanding their reasoning offers you a clear path forward for overturning that denial.

In nearly all situations, it is necessary to gather more evidence to prove your right to compensation. This may include:

• Demonstrating proof of fault from third parties, such as witnesses, accident reports, and accident reconstruction. Your attorney may recommend the use of third-party resources to better indicate who is at fault and why.
• Clearly outlining your injuries and specifying that they are a result of the car accident is also necessary. Use medical reports, medical expert testimony, and third-party resources to help you seek fair compensation. Back up any claim with evidence.

The evidence necessary is dependent on the type of case you have and the reason for denial. Provide all of the evidence and information you have regarding your case to your lawyer. This will allow your lawyer to provide opportunities to strengthen any detail of your case that could lead to a denial.

Resubmit Your Insurance Claim

With the necessary and required information from the insurance company, it is then possible to resubmit the claim to the adjuster. A formal appeal letter will need to clearly document what is different, what additional evidence is available, or what steps are provided that clarify the losses.

This letter will be critical to get right, as it will determine if the insurance company will pay you for your losses. Insurance companies often cause delays and may deny claims simply to gain more time. In such situations, it can be challenging to overcome the challenges they present without the assistance of an attorney.

Be sure to know the timeframe for filing an appeal, as documented on the denial letter the company provided to you. Submit your formal letter and ensure you have confirmation that the insurance company received it.

Note that, in Georgia, you have two years from the date of the accident to file a lawsuit. If the insurance company continues to deny your claim, this is often the next step.

Do Not Give Up

By working with a car accident attorney, you will learn all strategies available to help you build your claim and minimize the risk of another denial. One key factor to keep in mind is that you should not give up. That is what the insurance company wants you to do. Instead, continue to negotiate your claim.

With the guidance of our injury lawyers in Newnan, you are likely to minimize any further denials.