Paying for auto insurance entitles the holder to some benefits. If your car insurance company is refusing to provide the benefits that you are paying for, then you have a chance to appeal the refusal of benefits. If you exhaust your appeals through your company, you can sue them through your local courts. But, in order to bring a lawsuit through the judicial system, you need certain evidence to give your claim the best chance possible.

Claim Rejected

If a claim or request is denied by the insurance provider the policy holder will receive a letter notifying them of this. The letter will contain a denial of the claim or request followed by a reason for the denial and perhaps some details on the denial. Reasons a claim might be rejected are that the vehicle or driver involved was not covered by the plan, the policy holder was at fault in the accident, or that the claim was the result of a pre-existing issue with the vehicle. If the policy holder receives such a letter and disagrees with the denial, the policy holder should begin to compile the necessary evidence to support a lawsuit.

Paperwork

To bring a case against an insurance provider as a policy holder, the holder will need a copy of their policy in the form it was at the time the claim was filed. Everything in a case with an insurance company is based on the policy between the holder and the company.

The holder will also need copies of all correspondence between them and the insurance company. This includes all forms, letters, and mailings sent to and received from the insurance company. 

Appeals

Many auto insurance companies allow for appeals or will reconsider denials if a request is made. If the policy holder chooses to request this, they should keep copies of their request and the insurance company’s reply. If these appeals have been denied or not satisfactorily resolved, the policy holder should have copies of all the paperwork that accompanies them.

Timeline

The deadline, or statute of limitations, for pursuing a lawsuit from the denial of a car insurance claim depends on the state but some can be very tight ranging from a few months to a few years. But once you get the process it is still not predictable, as it often depends on how long it would take for the insurance company to respond. But once you file the claim against your insurance company, the statute of limitations does not apply so your claim can keep going even if the deadline might have passed. 

Where Can You Find the Right Lawyer?

These paperwork and records are the primary pieces of evidence needed to bring a lawsuit against an auto insurance company. If you feel you have not received the benefits you are entitled to under your auto insurance plan, you should contact a local products liability attorney to go over your case.