3 Things You Should Know. If You've Been In An Auto Accident And Were Denied An Auto Claim!
Option 1- File Your Claim!
Lets say you were in an accident and it wasn't your fault, so you file your claim with the others person's insurance and you come to find out that they denied your claim. What should you do from here? This is what I advised you to do first, it's just my own suggestion, so get some legal advice, if its something more serious then a fender bender. First, file a complaint with the department of insurance each city has one. I'll use my city as an example, so you know what to look for (Insurance.Illinois.gov) you can file online or in-person, whichever you feel more comfortable doing but online can be a little confusing for some people. The department of insurance will review your complaint and it can take up 3 to 5 days for them respond to you. A word of advice: sometimes a little push from this department can get the insurance company to rethink their decision.
Answer This Question?
9 times out of 10 will the insurance company payout?
Option 2- Go Through Your Insurance!
My next suggestion is to use your own full-coverage insurance and file a claim with your auto insurance and pay the deductible. Your insurance will fight for you and hopefully make the other insurance company pay for the damages that had occurred. If your auto insurance wins that fight you get your deductible back and your insurance should not go up for any reason because of the claim you filed. Why? because you have proof with your police report and pictures that you were not at fault.
Option 3- Final Decision Is To Go To Small Claims Court!
This should be your final decision and the last draw. You have the right to file a small claims against the insurance company or person, if you feel they are at fault and were negligent to pay for the damages. Each city filing system is the same so look into it. The process can be easy but remember you will be representing yourself, so you must have good evidences like the police report, pictures of the damages, the denial letter from the auto insurance, bring your estimated damages, and a strong backbone to go through it. The filing fees can run you about $250.00 or less depending on your cities court fees. If the judge's gravel hits in your favor you'll be awarded the damages and hopefully you'll be granted your filing fees.
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