If you've been living with the problems of a denied car insurance claim in Des Moines, it is easy to lose perspective. The insurance company might not be out to get you, but the notion that the insurer has much power over your life is certainly a troubling notion.
If you've been struggling to keep your vehicle in shape and your rates low, you should consider yourself lucky, because the number of denials is well above average. Many people also feel that they do not have any power in the way of trying to salvage their claims.
The truth is that, depending on your situation, you can easily arrange your insurance claims. You simply need to think about what you want to accomplish. Just what exactly are you looking for?
This is something that you will probably never know, unless you try to contact the insurance company. For instance, if you are a regular insurance rider, you probably understand that you don't have to show proof of your driving history. If you have always had good driving records, and you just had a recent accident, then you should show proof of that. Likewise, if you just recently lost your license, you should show proof of that.
If you need to prove your driving record, you could begin by simply showing proof of insurance. Some of the forms you will need to include those of you have insurance from certain companies or from the government, including your driver's license.
In addition, you should also request a copy of your credit history. You can request this from your credit card company, but some companies will simply not supply it to you. Others can make this information available to you by phone, but that can be hard to remember, particularly if you often forget to call.
If you can, you should find out as much as you can about the company that you have been working with for several years. After all, if you are paying monthly premiums for your vehicle insurance, you need to be making a connection with the company, one way or another. You may even want to call up the insurance company and speak with someone about your car insurance claims.
You can also learn about your credit history from some sources, but only if you have a decent credit score. You can use these credit scores to get a good idea of whether or not your current car insurance company is doing a great job of denying your claims.
You can also find out about the way the insurance company does its business by looking at the denial letter. As a motorist, you can go online and request a copy of the letter. It should give you enough information to figure out how your case stacks up against the other applicants in your group.
You should also ask your employer if they will pay for the additional costs that you might incur while the claim is being processed. Most employers offer some sort of special policy to reimburse employee expenses incurred during the time of the claim being denied.
If the letter is sent directly to you, you should start looking for a new insurance policy. Many companies will give you a large discount if you switch to another company. Even if you cannot find another insurer, you might still be able to negotiate a lower rate.
If you are a regular driver, and you find that your car insurance claim is being denied regularly, then the odds are that the company is going to deny you on principle. You might be a bad driver, but there is no way that they can see that you are a bad driver.