The adjuster declined my claim and gave me no explanation?
We get emails about his all the time. Here is our reply: depending of who is denying your claim, your rights can be protected. If you are making a claim against someone else insurance company, they can tell you that your claim is denied because they believe that your at fault. That is about all they have to disclose. They have not more duties to you.
If you are dealing with your own insurance company, then that is a different story. They must tell you in detail why was the claim denied. They must give you some kind of outline of the investigation done to come to such conclusion. A claim denial is a serious thing, some states have added up to triple damages for insurance companies that deny a legitimate claim. Insurance companies will try to not give you much information because they do not want you to document a bad faith lawsuit against them. Visit:http://www.auto-insurance-claim-advice.com/when-not-to-file-an-auto-insurance.html for more information on how to file and document a claim.
If you are in this situation, send the insurance company a letter. Once things are on writing and the record, they cannot get “lost” or destroyed. This will be the request where your are asking for an explanation of the denial. The insurance company will have to tell you exactly why! If they don’t. Call a lawyer, you might be entitle to triple damages if the insurance company cannot explain.
