The first step is to review the denial letter that Geico sent you. The letter will explain why your request was denied and will provide instructions on how to appeal the decision. Be sure to read the letter carefully and take note of the deadline for filing an appeal. Some people may assume that they have no other options available and will give up immediately, but once you know how to appeal your car insurance claim decision, you can present additional evidence to help you get the support you're owed.
The car insurance denial letter can help you reflect on your policy and determine if the reasons for which they acted were fair or not. For example, you could gather documents such as eyewitness reports, photographs, medical records and police reports and relate all the evidence of your car insurance claim to the argument you make against the appraiser who made this decision. In a typical total loss settlement, you are paid for the value of the vehicle, which means that the car becomes the legal property of the insurance company. However, if you miss the deadline for renewing your insurance or filing a claim, you should never wait for your insurance company to notify you of missed or upcoming deadlines.
If you have a full-coverage insurance policy, the insurance contract is a promise between your insurance company and you, the policyholder. Being involved in a car accident is a stressful and overwhelming experience, especially when you have to deal with an insurance claim. If you don't tell your car insurance company that you're using your vehicle for business purposes, but you're involved in a business-related accident, this process may not be covered at all. In exchange for the insurance premium, your insurance company guarantees that you will recover your health after a loss.
It's not easy to manage this process on your own, and while you may have started the initial insurance claim process on your own, now that the time has come to figure out how to appeal the decision of an auto insurance claim, you may want the support of an experienced and knowledgeable lawyer. An attorney is likely to be more familiar with the process and knows how to fight the insurance company with respect to your wrecked car. Most auto insurance companies have their own process for you to appeal the claim, and you can ask the adjuster what steps you would need to take to challenge it. If you believe that the insurance company has breached its obligations to you, as described in the contract, or has broken any laws, this could become the basis for a bad faith claim against insurance.
If you had your own car insurance policy and you filed your claim with them and your policy was active, you should be able to recover the compensation you need. Accidents can be stressful, especially those that result in total loss, but having a good auto insurance policy can ease the consequences.