How to Appeal a Denied Car Insurance Claim in Utah

When filing a car insurance claim, remember that insurers operate as a business first and foremost. Insurance companies employ teams of adjusters whose primary goal is minimizing payouts. However, you have rights as a policyholder, and when an insurer fails to honor legitimate claims, you can fight back. Our car accident lawyer in St. George is here to inform you on how to appeal a denied car insurance claim in Utah.

Step 1: Gather Evidence to Support Your Case

Building a strong foundation for your appeal starts with collecting comprehensive evidence that supports your claim. You need documentation that clearly establishes what happened and validates your losses, such as:

• The official police report, which provides an objective account of the accident and may indicate who was at fault 
• Photographs and videos of the accident scene, all vehicle damage, road conditions, and any visible injuries you sustained
• Thorough medical records that detail your treatments, diagnoses, and ongoing care requirements
• The contact information of witnesses who saw the collision occur

The more evidence you compile, the harder it becomes for your insurance company to justify its denial.

Step 2: Send a Formal Appeal to the Insurer

Once you have gathered your evidence, your attorney will submit a formal written appeal to your insurance company. This appeal letter should be professional, concise, and backed by solid documentation. The letter must include:

• The insurance policy number
• The date of the accident
• A clear explanation of why you disagree with the company’s denial
• A description of the insurance coverage that you are seeking
• Supporting evidence, such as photographs, medical records, police reports, and witness statements

Send your appeal via certified mail so you have proof of submission. Keep copies of everything you send and maintain a detailed record of all communications with the insurer.

Step 3: Bring Your Case to the Utah Insurance Department

If your insurance company maintains its denial after your formal appeal, you can file a complaint with the Utah Insurance Department. This state agency regulates insurance companies and investigates consumer complaints about unfair practices. While this process does not guarantee a resolution, it creates an official record of your insurer’s conduct and may cause them to reconsider their decision.

When filing a complaint, provide as many details about your case as possible, including all correspondence with your insurer and supporting documentation. The department will review your complaint and may facilitate negotiations between you and the insurance company.

Step 4: Escalate Your Insurance Claim to a Lawsuit

When other avenues fail, you have the right to file a car accident lawsuit in civil court. In Utah, you can file a lawsuit against the at-fault driver if you’ve incurred at least $3,000 in medical expenses or suffered serious injuries such as permanent disability, impairment, disfigurement, or dismemberment. Personal injury claims can be complex, but they often yield more substantial settlements than insurance negotiations alone.

Begin Building Your Appeal with a Utah Car Accident Lawyer

Insurance companies count on policyholders giving up when faced with claim denials. If your claim is unfairly denied, do not let them win. A Utah car accident attorney understands insurance proceedings, knows how to build compelling appeals, and can represent your interests throughout the negotiation process. Your lawyer can also pursue litigation if needed to secure a fair settlement. Contact our St. George personal injury attorney today to discuss your case and start fighting for the compensation you deserve.