How to Appeal a Denied Car Insurance Claim in Kentucky

In some situations, you may need to know how to appeal a denied car insurance claim in Kentucky if you are facing injuries and losses and the insurance company refuses to pay you fairly. You have the right to seek additional information about why the denial occurred, and in most situations, you can supply that information in an appeal.

The following details are critical to appealing a denied car insurance claim in Kentucky from an experienced Lexington car accident attorney.

Determine Why the Claim Was Denied

Before doing anything else, determine why the insurance company denied your claim. They will often provide a letter outlining the reason for the denial and the necessary steps to appeal.

Some of the most common reasons for denials include:

• Filing to submit the claim on time. Note that many insurance companies have a short window after an accident under which you must file a claim. Notably, the state of Kentucky has strict time limitations, so call an attorney for discussion.
• Lack of proof of who caused the incident. The insurance company will only cover claims if its policyholder is responsible for them. If you fail to show that the policyholder is at fault, they may deny your claim.
• Lack of documentation of injuries and losses. The insurance company will also deny a claim if you do not provide enough documentation about what your injuries were and who caused them.

In order to appeal, you must correct the missing or inaccurate information. That may mean you need additional evidence to support the statements you are making.

In these cases, it is best to seek legal action with the help of your car accident lawyer.

How to Appeal a Decision

If you do not feel that the denial is accurate or fair, you can resubmit the claim to request additional consideration and ask the insurance company to appeal it. However, it is best to do so with the guidance of an attorney so you have the best possible outcome.

Appealing does not always mean you will receive approval, and in many situations, unless you can provide additional, valuable information, the insurance company will not overturn their initial decision.

How a Car Accident Lawyer Can Help

With the guidance of a car accident attorney, you have a better ability to recover damages fairly.

Your lawyer will communicate with the insurance company about what occurred, why the denial happened, and what information the insurance company needs to overturn that decision.

An attorney will also:

• Gather additional evidence to prove that you are owed compensation in your case, often clarifying disputes over fault or responsibility of the insurance company
• Support your claims for compensation for medical injuries and losses with additional evidence
• Negotiate with the insurance company on your behalf to get them to agree to improved terms

Your lawyer may also indicate the importance of filing a lawsuit against the insurance company if they are unjustified in not paying for your losses.

Set Up a Free Consultation As a First Step

If you are facing financial losses and insurance companies have denied your claims, do not wait to contact an attorney at Gary C. Johnson P.S.C. Your lawyer will provide a free consultation to give you more insight into your legal rights.