| Studies indicate that most American households own | | | | denies a claim or refuses to pay. There are several |
| two or more vehicles and approximately one in four | | | | reasons why a company can deny a claim. Some |
| own three or more. Almost one in three drivers has | | | | examples are: |
| submitted a car insurance claim in the last three | | | | - Type of loss not covered by insurance policy |
| years. Twenty percent had a single complaint and 1 in | | | | - The person who suffered loss under the policy was |
| 10 car owners multiple complaints in the last three | | | | not |
| years. | | | | - The policy acted in a way that canceled coverage |
| Polls also indicate that nearly 40 percent of those | | | | - The policy has expired |
| who filed claims in the last three years there were | | | | - The policy does not reflect the vehicle in the |
| several car accidents. One out of six submitted by a | | | | accident |
| car accident. In addition, studies also show that | | | | - Demand exceeds the limits of politics |
| drivers over 65 are the group most likely to file a | | | | If you review your insurance policy and find that |
| claim due to several car accidents. Drivers in the | | | | your claim was unfairly denied, there are things you |
| 18-34 age groups are most likely to file a complaint | | | | can do to get a fair resolution. State law protects |
| with a single car accident. | | | | you as an insured motorist. There are state |
| Despite the accident in a bad mood, almost one out | | | | regulations that insurance companies must follow in |
| of five reported vehicle owners pay out of pocket | | | | reference to the response and resolution of a |
| for damages in their own cars or those of the other | | | | complaint. Your insurance company has the |
| person. In addition, about 30 percent of the | | | | responsibility to resolve your claim in good faith. |
| respondents who paid out of pocket did for fear | | | | The first thing you need to do is write a letter to the |
| that their premiums would increase if they had filed a | | | | insurance company and why you believe your claim |
| complaint. Thirty-six percent paid out of pocket, | | | | was unfairly denied. Provide all documentation you |
| because the damage is too small amount of | | | | may have to bolster his argument. If this fails, you |
| complaining. However, 15 percent said they had no | | | | may appeal this decision to the State Insurance |
| insurance as the reason for not filing an insurance | | | | Commissioner. In addition, you can hire an insurance |
| claim. | | | | bad faith lawyer. As a last resort, you can sue your |
| What if your company refuses to pay the Car | | | | insurance company for violations of state insurance |
| Insurance Claims? | | | | code, bad faith, and breach of contract. |
| There may be occasions when an insurance company | | | | |