How To Respond After A Commercial Truck Insurance Provider Denies Your Claim


Truck accident claims are much more complicated to file than car accident claims. They often involve many parties since the truck driver, insurance provider, and employer can all be partially at fault for the accident. Because commercial trucks are bigger and cause more damage, they tend to lead to higher settlements. While you file a claim with a commercial truck insurance provider after they have struck your vehicle and injured you, the insurance provider might deny it. Then, you may have to go through the process of appealing the claim denial.

Involve a Truck Accident Lawyer in Your Case Early On

When filing a truck accident claim, seeking help from a legal professional is essential. Each step of the claims process is complicated, and you can make mistakes that will reduce the value of your claim.

For example, you will need to gather evidence to prove the full extent of your injuries, participate in all the recommended treatments that your doctor recommends, and fully inform the commercial truck insurance provider about how injured you are while supplying medical documents.

Why Your Claim Might Be Denied

If the insurance provider denies your claim, you will receive a letter explaining why your claim was denied. Make sure to review the letter thoroughly. 

You might find out that your claim was denied simply because the insurance provider did not receive enough evidence to prove that you were injured or that the at-fault party caused the accident. Or, the letter might contain faulty reasoning, or the reason for denying your claim might not be supported by the facts. If so, you can appeal the decision.

How to Plan Your Appeal with Your Attorney

Your attorney can help you increase the odds of having your appeal approved. If this occurs, you will be able to avoid a trial.

If you cannot appeal the claim denial, your attorney might attempt to contact the insurance provider or help you craft a demand letter. The letter will need to include

  1. A statement of facts
  2. Explain why the truck driver is responsible for the accident
  3. Describe the injuries, pain and suffering, and emotional distress caused by the accident
  4. Include a detailed list of the monetary losses you have suffered as a result of the truck accident

Even if the commercial insurance provider does not agree to the letter, you can begin a negotiation process. If the insurance provider still refuses to compensate you, discuss with your attorney whether it would make sense to file a lawsuit.

To get started, contact a truck accident law firm in your area such as Frenkel & Frenkel.


5 April 2023

Talking About Car Accident Cases

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