People with car insurance often ask about an insurance claim’s appealing status. In addition, they have some questions about whether the appeal for an insurance claim is possible and how to claim it if possible. The process of appealing for an insurance claim varies per the company, but some common steps are there.
The first thing one can do is to ask customer service and get further information from them. Along with this, they can also consider some other steps for getting the claim for their car insurance. In case their appeal for the claim is denied then also they can follow some of the basic steps and can make an appeal again for the claim.
How to Claim Car Insurance?
Making an appeal for the car insurance claim process can be done in several ways by taking some important steps. First, the claim can be made cashless or reimbursed per the company’s terms and conditions. Both of these have different processes and steps.
In the option of a cashless system, the customer can take his car to any of the garages networked as per the company’s terms. Then, he can get the car repaired, and the insurance company will give the claim amount. Under the reimbursement option, first, the customer needs to pay for the repairs. After that, he can claim the amount from the insurance company by showing the bill for the repairs.
For more details, one can contact the company’s customer support. Besides this, they can also send an appeal letter by writing their point of view on why their denial was unfair. By considering these few steps, they can claim their car insurance.
What Is No Claim Bonus?
Car insurance companies offer no claim bonus to their customers when their policy renews. This is given when one has not claimed for the previous year or their previous year’s claim is pending. This can be taken as a discount for not claiming the previous policy.
The no-claim bonus ranges from 0% to 50% for each year when a claim is not made. In car insurance, the NCB has a period of 90 days from the date when the policy expires. Also, the higher amount of NCB leads to higher discounts, thus making their overall claim effective. This is also taken as a reward given to the car owner for making its prudent use.
Reasons for Denial of Insurance Claim Appeal
Sara Routhier, Director of Outreach at AutoInsurance.org, explains that if their insurance claim got denied, then there can be several reasons behind this. To appeal again, they first need to understand these basic reasons for the denial. When they understand these reasons, they can then know whether to appeal again for the claim or not.
- It can be possible that they are at fault in any particular accident or incident. One may not agree that they have any fault, but as per the laws of the state, they are liable to some extent. This can deny their claim appeal.
- The claim is given to the party who has the name written on the contract. It may be possible that their name is not there in the contract and so they will not be liable for the claim. Their claim would be rejected due to this reason, so just check about this before appealing again.
- When their policy lapses, in that case, there is no coverage provided. The lapse of the policy can occur due to the reason they have not paid their premiums continuously for some time. Along with this, there are also deadlines for the claim period. If one misses these deadlines, then also they cannot get the claim, and it will get rejected.
- When their policy limit has exceeded the damages, then the claim can get limited instead of getting denied. But the insurance company can also decide to reject the entire claim if it deems fit.
- There are different kinds of policies available, and not each policy provides coverage for the accident. This may be possible that the claim for the accident comes under the coverage or policy they have not bought. So, in this case, their claim can get denied and cannot be given.
What To Do After The Appeal Gets Denied?
In case one find any error or fault in the denial of their appeal for the insurance claim, then they can consider some of the steps with the help of which they can appeal again for the insurance claim.
- The insurance company, after denying their claim appeal, provides them with documentation. Try reviewing these documents and collect evidence if they find any. This information may include photographs, medical reports, police reports, and other required documents. One can gather these and show them to the insurance company.
- One can write an appeal letter and explain every detail in the letter about their doubts about the denial of the claim. Make sure to provide as much information as possible representing the information about the policy.
- One can hire an attorney if they find that the matter goes somewhat difficult. By taking the opinion of an expert, they can get the correct review of the case and the documents. They also help to draft a demand letter and tell the insurance company to respond accordingly. This may cost them some charges for hiring but can make their appeal process easy and successful to some extent.
Conclusion
When talking about the claim for auto car insurance then few things are needed to be kept in mind. First, when they know the claim process, only then can they appeal for the claim. Sometimes the claim gets rejected due to some basic reasons, but they can make another appeal to get the claim.
All they need to do is know about the claim process and then appeal as per the terms and conditions of the company. This will help them in getting enough knowledge about the claim process and the reason which they can avoid while appealing for the claim.
Media Contact
Company Name: AutoInsurance.org
Contact Person: Sara Routhier
Email: Send Email
Country: United States
Website: https://www.autoinsurance.org/