What are your legal options if an insurance claim is denied due to being sold the wrong coverage?

Lexi, Chatbot

I’m sorry to hear about the difficulties you’re facing with your insurance claim. Can you please provide details about the type of insurance coverage you purchased from U-Haul?

Lexi, Chatbot

Have you received any written communication from the insurance company regarding the denial of your claim?

Lexi, Chatbot

Is there anything else the lawyer should know before I connect you? Rest assured they’ll be able to help with your insurance claim denial.

Charlie

Hello, my name is Charlie, and I am a licensed attorney. I apologize that you are experiencing these issues, but I will be happy to assist you with your questions today.

DISCLAIMER: This conversation is for: general informational/educational purposes only; no attorney-client relationship is formed; we are unable to offer representation/legal advice of any kind; always speak to a local attorney for case specific legal advice; and I am not holding myself out to be certified or an expert in any particular area of law. Please allow me a moment to review your question, and I will be right with you.

I know legal matters can feel overwhelming, but you’re in good hands. I’ll do my best to make things clear and provide you with the information that you need. Let’s work together to find the right information for your situation.

Charlie

Here is some information to help (general information only, not legal advice):

1.Gather all documentation: Collect your insurance policy, rental agreements, and any receipts showing coverage purchased.
Keep notes of conversations with U-Haul or the insurance company, including dates, times, and names of representatives.
Save emails, letters, or voicemails related to the claim denial.

2. Review your policy and coverage: Check whether you purchased commercial vehicle insurance or another type of coverage.
Note any exclusions or limitations in your policy.

3. Follow up in writing: Send a formal written notice to the insurance company stating:

• The date of the accident
• That you purchased the coverage expecting commercial vehicle protection
• Your claim and request for explanation of denial in writing
• Keep a copy for your records.

4. Document the agent’s role: Note what the U-Haul agent told you at the time of purchase. If possible, collect evidence that the agent misrepresented coverage or sold the wrong policy.

5. File a complaint if necessary: 

• State insurance regulator: In most states, the Department of Insurance handles complaints against insurers.
• Better Business Bureau (BBB): Can sometimes prompt a resolution.

6. Consult a consumer protection or insurance attorney: An attorney can help determine whether the insurance company is acting in bad faith.
They can assist in:

• Filing an appeal of the denial
• Seeking compensation if coverage was wrongfully denied

7. Act quickly: Many insurance disputes have time limits for filing complaints or appeals, so start gathering documents and consulting an attorney as soon as possible.