questions & answers

Question: My car was stolen from my daughter's yard. Insurance trying to deny claim and say she was a regular driver as satellite pix show car at her address.. I'm there alot to watch kids. Can they deny on these grounds even tho it has nothing to do with theft of my car?

Answer: If your claim is denied, and you feel your carrier is in the wrong, there are steps you can take to rectify the situation. 1. Understand exactly why your claim was denied. If you’re still not sure why your claim was denied after reading the correspondence from your insurance company, talk to them. If the denial was due to a small error, ask if you can fix any problems and resubmit the claim. 2. Verify that the claim is valid. Even insurance companies make mistakes; it’s possible that your claim was processed incorrectly. If the reasoning provided in your claim denial doesn’t match the facts that you provided to your insurance company in your claim, you have grounds to dispute the denial. If you decide to dispute the claim, you can: •Send corrections directly to your insurer. Your insurance company may be willing to negotiate. •Contact the Arizona Department of Insurance and file a complaint: https://insurance.az.gov/consumercomplaint •File suit for bad faith with the help of a lawyer. If you believe that your insurance company is refusing to fulfill their end of the contract that your policy outlines, you may consider seeking legal help.