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Your options when a commercial vehicle insurer refuses to pay

Commercial vehicles fill Iowa's roadways at all times of the day or night. They are unavoidable in most cases, even if you drive during lulls in traffic. These large automobiles can result in significant property damage and personal injury if a commercial vehicle accident occurs. As a victim, you would naturally expect the vehicle's insurer to compensate you for your suffering, but this is not always what happens.

From an insurance company's perspective, it is first and foremost a business and its primary interest is adding to its bottom line, not taking away from it. As such, most insurance providers search exhaustively for reasons to deny accident claims. While it is never personal to insurers, it feels pretty personal to victims who have suffered severe injuries in a commercial vehicle accident.

We want you to know that you have options at your disposal if an insurance company denies your legitimate claim. Here are a few options you may choose to pursue after a claim denial:

  • Sending a demand letter to the trucking company's insurance provider
  • If the denial still stands, negotiating with the company by way of a formal appeal
  • Filing a lawsuit against the insurance company that has denied your claim

While you can certainly attempt to resolve the matter on your own, we urge all injured commercial vehicle accident victims to consider getting a legal opinion first. Often, this can help in identifying potential obstacles and developing the right strategy to use against an insurance provider.

Choosing to do nothing is also a choice, but when injuries are severe, you may discover that you cannot pay for the medical attention you need. In the end, it is much less about revenge or anger than it is about ensuring your future health and well-being. Read more about commercial vehicle accidents by visiting our website.

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Carter Law Offices, P.C.
The Plaza
300 Walnut Street, Suite 260
Des Moines, IA 50309

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