Filing a car insurance claim after an accident is stressful enough. But when your claim is denied, the situation can feel overwhelming. In California, insurance companies are required to follow strict rules when processing claims and understanding your rights is the first step in challenging a denial. At Hillstone Law, we help clients navigate denied car insurance claims and fight for the compensation they deserve.

Why Was Your Claim Denied?

When your car insurance claim is denied, the insurance company must provide a written explanation. Common reasons for denial in California include:

• Claims that exceed your policy’s coverage limits
• A lapse in your insurance policy
• Accidents that fall under policy exclusions
• Disputes over who was at fault
• Allegations of incomplete or inaccurate claim information

Knowing the specific reason for the denial is crucial because it determines your next steps.

Review Your Insurance Policy Carefully

After receiving a denial, review your policy in detail. California law requires insurance companies to honor the terms of their policies. Pay close attention to:

• Coverage types and limits
• Exclusions and exceptions
• Deductible amounts
• Requirements for reporting and documentation

Sometimes, claim denials happen because of misunderstandings or misinterpretations of the policy.

Collect Evidence and Keep Records

If you believe your claim was wrongfully denied, strong evidence can make the difference. Be sure to:

• Take photos of the accident scene, vehicle damage, and any injuries
• Obtain a copy of the police report
• Gather medical records and treatment documentation
• Collect witness statements, if possible
• Keep all correspondence with the insurance company, including emails and phone call notes

This documentation is critical if you need to appeal the denial or pursue legal action.

Appeal the Denied Claim

California law gives policyholders the right to appeal a denied claim. Your insurance policy should outline the process and deadlines for filing an appeal. When appealing:

• Submit your appeal in writing
• Provide supporting evidence and documentation
• Follow all deadlines closely

Insurance companies are required to provide a fair and timely review of your appeal.

Seek Help from the California Department of Insurance

If your appeal doesn’t resolve the issue, you can contact the California Department of Insurance (CDI) for assistance. They can investigate claim denials, provide guidance on your rights, and may intervene if they find the denial was improper.

Why Legal Support Matters

Challenging a denied car insurance claim can be difficult without legal guidance. Insurance companies often use complex policies and technicalities to justify denying claims. At Hillstone Law, our experienced attorneys understand California insurance and personal injury laws. We fight aggressively to ensure that our clients’ rights are protected and that they receive the compensation they are entitled to.

Contact Hillstone Law Today

If your car insurance claim was denied in California, don’t face the insurance company alone. Call Hillstone Law for a free consultation today. We’ll review your denial letter, evaluate your case, and help you challenge the decision. Our goal is to protect your rights and secure the compensation you deserve.