If the at-fault driver’s car insurance carrier denies your claim after a crash, you should not panic. Several options could result in you recovering the money you need to pay your related bills and cover the losses. These generally include: Appealing the Denial Insurance carriers must have an internal process that allows claimants to challenge their decision on a claim. This generally includes asking them to reevaluate a claim to see if another adjuster agrees with the initial decision. The exact process depends significantly on the carrier involved. In some cases, your claim may have been denied because there was not enough evidence to prove you deserve compensation. In that case, an attorney can look over your claim and help you provide more evidence. They can also ensure you completed all of the necessary paperwork correctly. Filing a Complaint With the Insurance Commissioner Each state’s insurance commissioner oversees insurance carriers and ensures they follow all laws and ethics rules. Filing a complaint with this commission could lead to an investigation, and the insurer could overturn the denial, although this is not always a direct cause and effect. Filing a complaint with the insurance commission generally requires submitting all information you have related to the claim, all correspondence you submitted, and all documents you received from the insurance company. The main benefit of taking this step, besides putting pressure on the insurer, is that this could provide significant evidence in a lawsuit against the insurance carrier if this becomes necessary. Suing the Insurer or At-Fault Driver A lawsuit is another route to recovering compensation in a car accident case if the insurance company will not cooperate. Victims sue the at-fault driver and the court demands a payout from the insurer. Alternatively, victims who receive an unfairly or illegally denied claim could sue the insurance company directly. When the insurer issues a denial letter, they must include the reason why they are denying the claim. This provides a starting point for developing a strong response to the denial. Do not try to navigate any of these complex and time-consuming processes on your own. You must meet strict deadlines, and if you suffered injuries in the car accident you will face overwhelming challenges if you try to complete your case alone. Connect with a car accident attorney as soon as possible after you receive the denial letter. They can assess your options and recommend the one they believe best fits the circumstances. Then, they can manage the process and seek to overturn the denial or recover compensation through other means.