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What to Do When Your Auto Accident Claim in Michigan Is Denied


Being involved in an auto accident can be a distressing experience, and the aftermath can become even more frustrating if your insurance company refuses to pay out your claim. While insurance is intended to provide a safety net during such incidents, claim denials do happen.

If you find yourself in this situation, it’s essential to understand your rights and take appropriate steps to address the issue. In this article, we will guide you through the necessary actions to take if your insurance company denies your claim following an auto accident.

Review your policy and denial letter.

Begin by carefully reviewing your insurance policy and the denial letter provided by your insurance company. Familiarize yourself with the terms and conditions, coverage limits, and exclusions outlined in your policy. The denial letter should explain the reasons for rejecting your claim. Understanding the specific grounds for denial will help you build your case moving forward.

Seek clarification from your insurance company.

Contact your insurance company and request a detailed explanation for the denial. Be sure to document all communication, including dates, times, and the names of the representatives you speak with. Ask for any supporting documentation or evidence they relied upon in making their decision. This information will be valuable in understanding their perspective and identifying potential areas of disagreement.

Gather evidence

Collect as much evidence as possible to support your claim. This includes photographs of the accident scene, damage to vehicles, injuries, and any other relevant documentation, such as police reports and witness statements. Compile medical records, repair estimates, and any other documentation that can substantiate your claim and refute the grounds for denial provided by your insurance company.

Consult with an attorney.

If you believe your claim has been wrongfully denied, it may be wise to seek legal counsel. An experienced attorney specializing in insurance disputes can help evaluate your case, review your policy, and guide you through the process. They can advocate on your behalf, negotiate with the insurance company, and, if necessary, represent you in legal proceedings.

File a complaint

If you’re unable to resolve the dispute directly with your insurance company, consider filing a complaint with the appropriate regulatory body. Each state has a department of insurance or similar entity that oversees insurance practices. Submitting a formal complaint will initiate an investigation into the matter and may prompt your insurance company to reconsider its decision.

Explore alternative dispute resolution.

In some cases, alternative dispute resolution methods, such as mediation or arbitration, can help resolve insurance disputes without going to court. These processes provide a neutral third party who can help facilitate a resolution between you and your insurance company. They can be faster and less expensive alternatives to litigation.

Dealing with a denied auto accident claim can be overwhelming, but it’s crucial to remain proactive and persistent in seeking a resolution. Understanding your insurance policy, communicating with your insurance company, gathering evidence, seeking legal counsel when needed, and exploring alternative dispute resolution options are all steps you can take to address the situation effectively. 

Remember, each case is unique, and the specific actions you need to take may vary. By being informed, assertive, and diligent, you can increase your chances of obtaining a fair and just resolution to your insurance dispute.

Get Proper Coverage

In case of doubt, keep in mind that it is your no-fault insurance provider who will ultimately pay for your medical bills. As long as you get unlimited or no-limit coverage, you should be properly covered when you need the best coverage for your health and safety.

Contact Your Lawyer Today

If you have an insurance claim that you need assistance with, you should contact us today. A lawyer can help you get started with your claim, and a lawyer at Haque Legal will ensure that your needs are met from the beginning to the end of the proceedings. You are always in good hands with Haque Legal and what it offers.


The article you read is based on general applications of the law. It is not legal advice and should not be construed as any legal consultation with the firm. No client-attorney relationship is created when you read the articles we have provided.

Let us help you out.

If you are having trouble filing an insurance claim, call us immediately. If you have any problem with the law or seek justice and truth, our numbers are standing by to take your call.

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