What should I do if my insurance rejects my claim?
April 23, 2022 | 30,00 EUR | answered by Ingo Gallenberg
Dear insurance lawyer,
I am reaching out to you because I recently filed a claim with my insurance company, but my claim was denied. I am very concerned and unsure of what steps to take next.
The situation is as follows: Two weeks ago, my car was involved in an accident which resulted in significant damage. I immediately informed my insurance company and submitted all necessary documents. After reviewing my case, I was informed that my claim was not covered and therefore denied.
I do not understand why my claim is not covered, as I specifically took out insurance to be protected in such situations. I am worried because I do not know how I will cover the repair costs for my car.
Can you please explain to me what I can do in such a situation? Are there options to challenge or review the decision of my insurance company? How can I ensure that my claim is eventually covered and I am not left with the costs?
Thank you in advance for your help and support.
Sincerely,
Claudia Schwarz
Dear Mrs. Schwarz,
Thank you for your inquiry regarding the denial of your insurance claim by your insurance company. It is understandable that you are concerned and unsure of how to proceed. In such cases, it is important to remain calm and carefully plan the next steps.
First and foremost, it is important to understand why your claim was denied. Insurance companies reject claims for various reasons, such as lack of coverage, missed reporting deadlines, or non-insured types of damage. Therefore, it is advisable to request the exact reasoning for the denial of your case in writing from your insurance company. Based on this, you can then decide how you would like to proceed.
If you believe that the denial is unjustified, you generally have the option to appeal the decision of your insurance company. For this, you should consult an experienced insurance lawyer like myself. Together, we can review your case and take possible legal steps to ensure that your claim is covered after all.
It is important that you gather and have ready all relevant documents and information regarding your claim to strengthen your position. This includes the insurance contract, the claim report, assessments, photos, and all relevant correspondence with your insurance company.
In many cases, it is also advisable to involve the Insurance Ombudsman. The Ombudsman is a neutral mediation body that can help resolve disputes between policyholders and insurance companies out of court.
I am at your disposal to review your case and support you in enforcing your rights. Please do not hesitate to contact me so that we can find a solution to your concerns together.
Sincerely,
Ingo Gallenberg
Insurance Lawyer
