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How can we fight with a insurance company if they refuses to give claim for our injury?

I had met with an accident on last week and when I asked the company for claim they refused, what to do now.

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My sister ran me off the road this morning on the way to work and her insurance said they won't pay for my vehicle because we live at same address


To an insurer it might look like a scam but it is unlikely they have the right to say they won't pay. You both need to read the small print of your insurance policies; your sister to discover if there is a specific clause allowing the insurer to duck out of a claim at the same address and yourself to discover if your insurance includes any legal protection where your insurer would sue your sister and/or her insurer.

If the damage isn't great or expensive it might be better for your sister to pay you directly if she has any no-claims discount to lose.

Before you become too distracted it is wise to place a description and all the details of the incident on paper and include plan drawings and photographs of the damage and the scene.

If her insurer doesn't have a specific clause then I suggest you proceed with a claim regardless. Make the claim in writing and have it delivered into the hands of the Claims Manager at the company office.

If there is a clause allowing them to refuse to pay it will give you no choice except to forget it or to sue your sister...

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2 Answers

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It is now four to five months later on and I expect the insurance will no longer uphold the claim. There is normally a time limit for repairs.

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Talk to your insurance company first. If they are giving a discount based on these safety features and you choose to circumvent them and down the road you have an accident they may choose to deny your claim.

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You have to keep up your payments, regardless. You need to fight with your insurance company about their failure to pay the claim. Unless they have reason to suspect YOU of the theft, they have to pay, that's why we buy insurance. Call a lawyer

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I recommend getting the adjusters name and contact info. that is handling the claim. That person, the adjuster, is who decides liability.

Jun 13, 2013 | Cars & Trucks

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Karon shuousky


your insurance agent would be happy to answer this question for you, however they will be suspicious as to why you did not claim it then and why you now want to claim it. also with that much time in between proving any existing injuries stem form that accident or damage to your vehicle is going to be tough..

Mar 18, 2012 | Cars & Trucks

2 Answers

Minor accident occurred 2 days after re-insuring our car, although several day's had gone by on renewing our policy the insurance company after deeming the car to be a write off due to its low value...


If you have an accident report from the police department, there should be no issue. This is just one reason that all accidents should be reported if for nothing more than your own protection and of course most jurisdictions require it by law even for minor fender benders. You still can file a report with the cooperation of the other driver, though, and that should certainly be enough because you are both signing an affidavit to the events and the insurance company can't refuse. Your state has an insurance commissioner. Do you want to see your insurer jump? Contact them and make them aware that you are filing a complaint with the state insurance commissioner. If that doesn't get them to change their mind while you're on the phone with them then file a complaint with the commissioner's office. You'll get results and it won't take long.

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Yes you can but if you had an accident the insurance company may refuse a claim because the vehicle is not within factory specification.

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Without looking at it be very hard to give an estimate, if it's driveble I take it to a body repair shop or some time's they come to you, also your insurance company should be able to help you with this also.

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this of course could have bent the fuel pump bracket inside the tank or damaged the wiring that supplies it power, stand by your guns, if it worked before the accident then it is accident related, I have had this kind of argument with a few insurance companies, and they always say no until u really pour it on, ask to speak to a supervisor, forget the little claims agent go over his head, it works, just be persistant..

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