What can I do if my insurance claim was denied based on a flawed police report?

Question from Lane changer, What can I do if my insurance claim was denied based on a flawed police report?

Answer from AI:

If your insurance claim was denied based on a flawed police report, there are several steps you can take to challenge this decision. It’s important to remember that insurance companies have a legal obligation to act in good faith, which includes conducting a thorough and fair investigation of claims.

1. Gather Evidence

The first step is to gather all relevant evidence that supports your claim. This could include:

• The police reports and transcripts that state you were hit by an 18-wheeler
• Any photographs or videos of the incident
• Witness statements
• Medical records if you were injured

2. Contact Your Insurance Company

Once you have gathered your evidence, contact your insurance company. Explain the situation and provide them with the additional evidence. They should review this new information and reconsider your claim.

3. File a Complaint

If your insurance company still denies your claim, you can file a complaint with your state’s insurance department. The National Association of Insurance Commissioners (NAIC) provides contact information for each state’s insurance department.

4. Consult with a Lawyer

If your claim continues to be denied, it may be time to consult with a lawyer. An attorney who specializes in insurance law can provide advice tailored to your specific situation. They can help you understand your rights and options, and may be able to assist you in taking legal action against your insurance company if necessary.

Remember: While this information provides a general guideline, it’s always best to consult with a legal professional for personalized advice. Insurance laws can vary by state, and a lawyer can provide guidance based on your specific circumstances and local laws.

5. Legal Action

If all else fails, you may need to take legal action. This could involve filing a lawsuit against your insurance company for acting in bad faith. In the United States, insurance companies have a duty of good faith and fair dealing. If they fail to uphold this duty, they can be held legally responsible.

In conclusion, it’s important to remember that you have rights as an insurance policyholder. If your claim was denied based on a flawed police report, you have the right to challenge this decision and seek a fair resolution.