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What to Do If Your Insurance Claim is Denied

After an accident, you have a great deal on your mind. A denial of your claim by an insurance company can feel like another massive weight piled on top of the load you’re already carrying.  The denial, however, is not the end of the road. Here’s what to do if you receive news that your claim has been denied.

Read (and Understand) Your Policy

If you haven’t done so already, read your insurance policy, especially the sections that apply to your claim. If your denial letter lists a specific section of the policy, take a look at it.

Also, read through the sections of the policy that explain how to appeal a denied insurance claim. Many insurers require you to go through their internal appeals process before you try to take the claim to court. Make sure you know the procedure you’ll be expected to follow.

Gather Information and Ask Questions

As you read your policy and your denial letter, make a list of questions for your insurance company. For instance, if the policy appears to cover what happened to you, you will want to ask the insurance company why it thinks the policy does not apply to your situation.

Then, speak to your insurance company. In some situations, the denial was the result of a simple error that can be easily corrected. In others, the insurance company might have built an argument as to why it is not responsible for your claim.  Take notes as you ask the questions and the insurance company provides answers. Include the name of each person you talk to, the date and time, and the person’s phone extension.

Be Persistent and Seek Help

If your insurance company continues to stand by its denial of your claim, it’s time to start using the appeals process outlined in your policy. The process may require you to explain in writing why you think your claim should be covered. Include supporting documentation in order to help prove your side of the story. Items like police reports, medical records, and other documentation can all help support your claim.

You can also work with an experienced attorney to assist in your appeal. Your lawyer can gather documentation and communicate with the insurance company on your behalf. If you are severely injured and not up to the task of fighting on your own, or if your claim is too complex, working with a lawyer is likely your best option.

If you’ve been injured in an accident, including a motorcycle and trucking accident, don’t hesitate to contact an experienced personal injury lawyer. The attorneys at the Folger Law Firm are dedicated to helping our clients seek the compensation they deserve. We work on a contingency basis, so you won’t pay fees unless we recover for you. Contact us today to learn more.


What sets Us Apart?

  • 20+ Years of Legal Experience

    We understand how insurance companies and huge enterprises try to avoid liability. We aren't hesitant to go toe-to-toe with big corporations in order to ensure that our clients receive the compensation they deserve.

  • Personalized Attention & Carefully Curated Legal Plans

    Benefit from hiring an attorney that used to represent the insurance companies to fight for You. Injuries suffered in an accident affect not only the person injured, but also their family.

  • Experienced & Aggressive Representation

    Our firm provides experienced and aggressive representation to obtain the compensation our clients deserve.

  • Step-By-Step Legal Guidance

    The Folger Law Firm works closely with its clients, guiding them step-by-step through the entire claim process, reducing the stress on our clients and their families.


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