After you have filed a claim, then you must compose and send what insurers refer to as a demand letter, one addressed to the other driver’s insurance company. Include with your letter any supporting documents that you have collected. Also state the amount of money you hope to receive in the form of compensation.
Once you or the Personal Injury Lawyer in Brantford have sent that demand letter, you should get a call from the adjuster. That will represent the start of negotiations. It does not mean that the insurer has decided that the policy holder qualifies for the amount of money requested. Indeed, the insurance company has launched an investigation, but it has not yet admitted that you have a qualified claim.
If the investigation suggests that your claim does not meet the requirements stated in the document that was given to the policy holder, your claim will be denied. Fortunately, that does not mean that you must abandon any hope for receiving a fair compensation.
Reasons why a claim might be denied:
One of the reasons is that other driver was not named on the insurance policy that was purchased by the vehicle’s owner. Maybe the damaged vehicle was not mentioned on that same insurance policy. In other words, that vehicle was not insured.
Despite what has been said in your claim, the company that sold an insurance policy to the other driver insists that the same policy holder was not at-fault. Thus, the other driver was not cooperating with the insurance company. Perhaps the other driver has pointed to you as the person at-fault; yet the other insurance company has found no proof of that accusation.
The policy has exclusion provisions. Those provisions can rule out coverage of accidents that take place outside of a given boundary line. You live in Ontario with no-fault liability laws. That means that your insurance must pay for damages, regardless of who should be declared “at-fault.”
Actions you can take if your claim has been denied:
File a claim with your own insurance company: That would be the most logical course of action, if you lived in a state with no-fault liability laws. Sue the other driver in small claims court. You cannot sue the other driver’s insurance company. This course of action could not be taken if you had sustained some severe and very costly injuries.
Speak with an attorney; see if he or she will agree to work with you, as you go after a fair compensation for your damages. This option provides you with the chance to ask to be reimbursed for pain and suffering.