sons truck was stolen dec 4th on our property found total loss insurance company denying claim

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jan 29, 2012

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Insurance Question from Vancouver, WA

Asked on 01/29/2012

sons truck was stolen dec 4th on our property found total loss insurance company denying claim the insurance agent rude how process and denied claim said do to key in truck and in inconsistencies in text messages and other reasons she will not disclose to him can we request a formal denial letter with all the reasons

Answer given on February 02, 2012

Yes, you can request a denial letter with all the reason.  At the same time, have your son file a complaint with your Washington’s Department of Insurance (DOI) stating in his written complaint that his claim was denied for undisclosed reason with the adjuster commenting that text message and “other reason” were part of the denial.  Mention the adjuster’s name and the insurance company, claim number and any other detail information you can provide the DOI. Hopefully, they will look into the reasons themselves and weigh in on the fairness of this denial.  Any claim denial should be in writing.  Therefore you request is not unreasonable.  Contacting the DOI may get you results quicker and in the meantime, get your states regulatory agency looking into this claim.       


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