Get a Written Statement Regarding the Specific Reason the Claim was Denied
Before you can challenge the denial of a claim, you need to know why the insurance company believes they have no obligation to reimburse you for your losses. Typical reasons include:- You don't have coverage for the specific type of loss—your insurer may argue that you don't have coverage for collision, or that your policy only covers your liability to other injured parties, and does not cover your losses.
- Your policy has lapsed because of failure to timely pay the premium
- The person driving the vehicle was not a named insured on the policy