Appealing an Auto Insurance Claim Denial
Legally Reviewed and Edited by: Terry Cochran

Appealing an auto insurance claim denial is an action you can take if you receive a rejection letter after filing for compensation after an accident. If you believe your claim was denied unfairly, you can appeal the decision and provide additional evidence to support your case. Reviewing your insurance policy and understanding your coverage before filing an appeal can help you reverse the denial.
Work with a knowledgeable car accident attorney from Cochran, Kroll, & Associates, P.C. to help you navigate the appeal process and increase your chances of a successful outcome.
How to Appeal Your Car Insurance Claim Denial
If an insurance company denies your claim, you can take steps to appeal the insurer’s decision. Hiring an attorney is the best way to appeal a claim. When you work with an experienced attorney, they handle communication between you and the insurer.
Your lawyer will also help you review your denial letter, understand policy limits, and gather evidence to support your appeal.
1. Review Your Denial Letter
You and your attorney can examine the denial letter issued by your insurance company to determine why the claim was rejected. For example, if you made a minor error when filing the claim, your attorney will help you draft an appeal and file a new claim. Your attorney can appeal and submit new evidence if the denial was due to a lack of proof, such as medical records.
Your attorney will also assess whether the insurer acted in bad faith by not providing an acceptable reason for the denial. If so, your lawyer can help you hold the insurance company accountable under Michigan law and appeal to receive the settlement you deserve.
2. Understand Your Policy’s Limitations
Your lawyer will review your insurance policy to understand the extent of your coverage and limitations. If you are involved in an accident with an uninsured driver and don’t have uninsured motorist coverage, your insurance company will deny your claim. Without this coverage, the insurance company may refuse to pay for your damages, leaving you to bear the financial burden of the accident.
Auto insurers will find any discrepancies or inconsistencies in the information provided during the claims process. For example, if you stated you suffered a disc herniation in your car accident in your claim but didn’t provide adequate medical records to prove your injury. The insurer might insist that your disc herniation was a pre-existing condition and deny your claim.
In Michigan, insurance companies must treat all policyholders fairly and clearly explain the claim’s denial in a letter. It must cite the facts of the claim and note the policy exclusion for your denial. The insurer might be engaging in bad faith behavior if the letter has no clear reason for denying your claim.
3. Gather Additional Evidence to Support Your Appeal Letter
To challenge the insurance company’s decision, you must submit a formal appeal in writing with a detailed explanation of why the denial was incorrect. The appeal letter should also demonstrate how your evidence contradicts their decision. You may need to include additional evidence and a detailed explanation for each.
For instance, you could gather evidence such as medical bills, photos and videos of the property damage to your car, and a police report detailing the severity of your accident. In your appeal letter, your personal injury attorney will connect each piece of evidence to your injuries to support your argument against the adjuster’s decision and help them reconsider your claim.
4. Work with an Auto Accident Attorney
Appealing an auto insurance claim denial requires the experience of an Michigan car accident lawyer from Cochran, Kroll, & Associates, P.C. We can guide you through understanding the insurer’s reasons for the denial and helping you file an appeal.
Our senior partner, Eileen E. Kroll, can help you with your claims denial letter. With her background as a registered nurse, she can evaluate your medical records and work with medical professionals to establish a link between your injuries and the auto accident.
Eileen understands the complexities involved in personal injury cases and will fight to ensure you receive the compensation you deserve from your insurer.
Contact an Auto Accident Lawyer to Help You With Your Appeal
Don’t let the insurance company shortchange you on the compensation you deserve. Reach out to the skilled auto accident lawyers at Cochran, Kroll & Associates P.C. who have experience appealing an auto insurance claim denial.
Our contingency fee basis means we only get paid if we win your case, so there is no financial risk to you to get started. Call our law firm today at 1-866-MICH-LAW and schedule your no-obligation, free case evaluation.
FAQs
How do I find out the process for filing an appeal for my claim with my insurance company?
Check the language of your auto insurance policy to find out the procedure for appealing your denial. Call the customer service number on your insurance card and explain the situation. The representative should be able to provide you with information on the appeals process, including any forms or documentation you may need to submit.
Do I need a lawyer to appeal an auto insurance claim denial in Michigan?
An experienced attorney can help you navigate the appeals process and advocate on your behalf. They can review your case, help you gather evidence, including witness statements and police records, and draft a strong appeal that addresses the insurance company’s reasons for the denial. They can also represent you in court if the case proceeds to litigation.
Disclaimer : The information provided is general and not for legal advice. The blogs are not intended to provide legal counsel and no attorney-client relationship is created nor intended.