Car Insurance What if the other driver’s car insurance company denies my claim? View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's Editor | Updated on: May 23, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. If the other driver’s car insurance company denies your claim, there could be various reasons. It could be due to a lack of evidence, policy exclusions, disputes over liability, or other factors specific to your situation. Check your own insurance policy. Sometimes, your insurance can cover the claim if the other party is uninsured or underinsured. Steps to take if your liability claim is denied by another driver’s insurer Here’s what you can do if the other driver’s insurance company denied your claim. Review the denial letter: Carefully read the denial letter from the insurance company. It should provide the reason for the denial. Gather evidence: Collect any additional evidence that supports your claim, such as photos, witness statements, or police reports. This can strengthen your case and potentially overturn the denial. Contact your own insurance company: If you have uninsured/underinsured motorist coverage or collision coverage, you may be able to file a claim with your own insurance company for compensation. Seek legal advice: If you believe the denial is unjustified, consult with an attorney who specializes in insurance claims. They can guide you on the best course of action and represent your interests. File an appeal: If you have strong evidence and a valid reason to challenge the denial, consider filing an appeal with the insurance company. Consider arbitration or mediation: In some cases, arbitration or mediation may be a viable option to resolve the dispute. These alternative ways can help you get compensation without going to court. Final thoughts Dealing with a denied car insurance claim can be frustrating, but it’s important to stay calm and informed throughout the process. Understanding the reasons for the denial and taking appropriate steps can increase your chances of receiving the compensation you deserve. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Used car insurance costs: Most and least expensive models to insure The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 ZIP Code Please enter valid ZIP See rates