You’ve been in a car accident.
Your vehicle is damaged, you may have injuries, and now you’re dealing with the insurance company.
They’ve denied your claim or offered a settlement that’s far lower than you expected.
What do you do?
One option is to write an appeal letter.
A well-crafted letter can make all the difference in getting the compensation you deserve.
But where do you start?
We’ve put together 20 sample appeal letters to guide you.
Sample Letters of Appeal for Car Insurance Claim
Sample Letter 1
Subject: Appeal for Claim #A123456 – John Doe
Dear Claims Adjuster,
I am writing to appeal the denial of my car insurance claim, #A123456, for the accident that occurred on June 1, 2023. Upon reviewing the denial letter, I believe there has been a misunderstanding regarding the circumstances of the incident.
According to your letter, the claim was denied due to a lack of evidence proving that the other driver was at fault. However, I have enclosed a copy of the police report which clearly states that the other driver ran a red light, causing the collision. Additionally, I have included witness statements corroborating this account.
In light of this evidence, I request that you reconsider your decision and approve my claim for the full amount of damages. My car has sustained significant damage, and I have incurred medical expenses due to injuries from the accident.
Please review the enclosed documentation and contact me if you require any additional information. I look forward to your prompt response and a fair resolution to this matter.
Sincerely,
John Doe
Sample Letter 2
Subject: Appeal for Insufficient Settlement Offer – Claim #B789012 – Jane Smith
Dear Claims Representative,
I am writing in response to your settlement offer for my car insurance claim, #B789012, related to the accident on July 15, 2023. After careful consideration, I find the offer insufficient to cover the damages and losses I have incurred.
Your offer of $5,000 does not adequately account for the extent of the damage to my vehicle, which has been deemed a total loss by the repair shop. The fair market value of my car is closer to $12,000, as evidenced by the enclosed valuation report.
Moreover, your offer does not consider the medical expenses I have incurred due to the injuries sustained in the accident. I have included copies of my medical bills and a letter from my doctor outlining the treatment I have received and will require in the future.
I respectfully request that you reconsider your settlement offer and provide compensation that fairly reflects my actual damages and losses. I am open to negotiating a reasonable settlement, but the current offer is simply unacceptable.
Please contact me at your earliest convenience to discuss this matter further. I hope we can come to a mutually agreeable resolution without the need for further legal action.
Sincerely,
Jane Smith
Sample Letter 3
Subject: Appeal for Claim Delay – Claim #C456789 – Michael Johnson
Dear Claims Manager,
I am writing regarding the undue delay in processing my car insurance claim, #C456789, for the accident that took place on August 30, 2023. It has been over two months since I submitted my claim, and I have yet to receive a decision or any meaningful updates on its status.
The delay in processing my claim has caused significant financial hardship, as I have had to pay out of pocket for a rental car and repairs in the meantime. This is in addition to the medical expenses I have incurred due to the injuries sustained in the accident.
I understand that claims processing can take time, but the lack of communication and prolonged delay is unacceptable. I have made multiple attempts to contact my claims adjuster, but my calls and emails have gone unanswered.
I kindly request that you expedite the processing of my claim and provide me with a prompt decision. If there are any additional documents or information needed from me, please let me know, and I will provide them immediately.
I appreciate your attention to this matter and look forward to a swift resolution. Please contact me as soon as possible with an update on my claim status.
Sincerely,
Michael Johnson
Sample Letter 4
Subject: Appeal for Claim Denial – Claim #D135790 – Emily Davis
Dear Claims Supervisor,
I am writing to appeal the denial of my car insurance claim, #D135790, for the hit-and-run incident that occurred on September 12, 2023. I believe the decision to deny my claim was made in error and does not take into account all the available evidence.
In your denial letter, you stated that there was insufficient evidence to prove that a hit-and-run had taken place. However, I have enclosed a copy of the police report documenting the incident, which includes a description of the damage to my vehicle consistent with a hit-and-run. Additionally, I have provided a statement from a witness who saw the other vehicle flee the scene.
The damage to my car is extensive, and I cannot afford to pay for the repairs out of pocket. The purpose of having car insurance is to protect me in situations like this, and I believe my policy should cover the damages.
I request that you reconsider your decision and approve my claim based on the evidence I have provided. If you require any additional information or documentation, please let me know, and I will be happy to provide it.
Thank you for your attention to this matter. I look forward to receiving a fair resolution to my claim.
Sincerely,
Emily Davis
Sample Letter 5
Subject: Appeal for Inadequate Rental Car Coverage – Claim #E246810 – David Wilson
Dear Claims Representative,
I am writing to appeal the inadequate rental car coverage provided for my insurance claim, #E246810, related to the accident that occurred on October 5, 2023. The rental car allowance offered is insufficient to meet my needs while my vehicle is being repaired.
Your offer of a $25 per day allowance for a rental car does not cover the actual cost of renting a vehicle comparable to my own. As a result, I have had to pay a significant amount out of pocket to secure a suitable rental car. This financial burden is causing undue stress during an already difficult time.
I have enclosed copies of the rental car agreement and receipts showing the actual daily rate I have been paying, which is closer to $50 per day. I request that you increase the rental car allowance to match this amount, as it is a reasonable and necessary expense while my car is being repaired.
Please review my policy and the documentation I have provided and adjust the rental car coverage accordingly. I appreciate your prompt attention to this matter and look forward to a fair resolution.
Sincerely,
David Wilson
Sample Letter 6
Subject: Appeal for Claim Denial – Policy #F369258 – Sarah Thompson
Dear Appeals Committee,
I am writing to appeal the denial of my car insurance claim under policy #F369258 for the single-vehicle accident that occurred on November 18, 2023. I believe the decision to deny coverage was made without proper consideration of the circumstances surrounding the incident.
Your denial letter stated that coverage was denied because the accident was caused by my negligence. However, I strongly disagree with this assessment. The accident occurred due to a sudden and unexpected mechanical failure, specifically a tire blowout, which caused me to lose control of the vehicle.
I have enclosed a copy of the police report, which notes the presence of the blown tire at the scene. Additionally, I have provided a statement from my mechanic, who inspected the vehicle after the accident and confirmed that the tire failure was due to a manufacturing defect, not negligence on my part.
Given this evidence, I request that you reconsider your decision and extend coverage for the damages sustained in the accident. The repairs to my vehicle are costly, and I believe my policy should cover these expenses under the comprehensive coverage I have been paying for.
Please review the enclosed documentation and contact me if you require any further information. I look forward to a prompt and fair resolution to my appeal.
Sincerely,
Sarah Thompson
Sample Letter 7
Subject: Appeal for Unfair Liability Determination – Claim #G852147 – Robert Rodriguez
Dear Claims Manager,
I am writing to appeal the liability determination made for my insurance claim, #G852147, regarding the multi-vehicle accident that took place on December 3, 2023. I believe the decision to assign 50% liability to me is unfair and not reflective of the actual circumstances of the accident.
The police report and witness statements indicate that the other driver involved was primarily at fault for the accident. The other driver failed to yield the right of way and pulled out in front of me, leaving me with no time to avoid the collision. Despite this evidence, your liability determination assigned equal fault to both parties.
I have been a safe driver with a clean record for over 10 years, and I take pride in my defensive driving skills. The accident was in no way a result of negligence on my part, and I should not be penalized with an increased premium or out-of-pocket expenses.
I kindly request that you review the evidence once more and reconsider the liability determination. I am confident that a thorough examination of the facts will show that I was not at fault for this accident.
Please contact me if you require any additional information or documentation to support my appeal. I appreciate your attention to this matter and look forward to a just resolution.
Sincerely,
Robert Rodriguez
Sample Letter 8
Subject: Appeal for Uninsured Motorist Claim Denial – Policy #H951357 – Laura Martinez
Dear Claims Adjuster,
I am writing to appeal the denial of my uninsured motorist claim under policy #H951357 for the hit-and-run accident that occurred on January 9, 2024. I believe the denial of my claim is unjustified and fails to consider the full extent of my damages.
The police report documents the hit-and-run nature of the accident, and I have provided a detailed description of the other vehicle involved, including a partial license plate number. Despite my efforts to identify the responsible party, the police have been unable to locate the driver, leaving me with no recourse for compensation other than my uninsured motorist coverage.
Your denial letter states that my policy does not cover hit-and-run accidents. However, upon reviewing my policy documents, I found that hit-and-run incidents are indeed covered under the uninsured motorist provision. I have enclosed a copy of the relevant policy language for your reference.
In addition to the damage to my vehicle, I have also incurred medical expenses for injuries sustained in the accident. These costs have placed a significant financial burden on me and my family.
I request that you reconsider your decision and approve my uninsured motorist claim based on the evidence provided and the terms of my policy. Please contact me if you require any further documentation or information to process my claim.
Thank you for your prompt attention to this matter. I look forward to a fair resolution.
Sincerely,
Laura Martinez
Sample Letter 9
Subject: Appeal for Undervalued Total Loss – Claim #I753951 – Daniel Kim
Dear Claims Representative,
I am writing to appeal the total loss valuation for my vehicle under claim #I753951. The settlement amount offered is significantly lower than the actual fair market value of my car, and I believe it does not adequately compensate me for my loss.
The valuation report provided by your company places the value of my vehicle at $15,000. However, based on my research of comparable vehicles in the local market, as well as the excellent condition and low mileage of my car, I believe the true fair market value is closer to $20,000.
I have enclosed a detailed valuation report from an independent appraiser, which supports my assessment of the vehicle’s worth. Additionally, I have provided maintenance records and photos documenting the well-maintained condition of my car.
I understand that your company has a responsibility to control costs, but I also expect to be fairly compensated for my loss. The current settlement offer does not allow me to replace my vehicle with one of similar value and condition.
I kindly request that you review the enclosed documentation and reconsider the total loss valuation. I am open to negotiating a fair settlement that takes into account the true value of my vehicle.
Please contact me to discuss this matter further. I appreciate your attention to my appeal and look forward to a mutually agreeable resolution.
Sincerely,
Daniel Kim
Sample Letter 10
Subject: Appeal for Claim Denial – Glass Damage – Claim #J369258 – Melissa Johnson
Dear Claims Supervisor,
I am writing to appeal the denial of my comprehensive coverage claim, #J369258, for the glass damage to my vehicle that occurred on March 5, 2024. I believe the denial is in error and contradicts the terms of my insurance policy.
Your denial letter states that glass damage is not covered under my comprehensive coverage. However, upon reviewing my policy documents, I found that glass damage is explicitly listed as a covered peril. I have enclosed a copy of the relevant policy language for your reference.
The damage to my windshield is significant and impairs my ability to safely operate my vehicle. The cost of replacing the windshield is substantial, and I have been paying premiums for comprehensive coverage precisely to protect myself in situations like this.
I request that you review my policy and the documentation I have provided and reconsider your decision to deny my claim. I am entitled to coverage for the glass damage under the terms of my policy, and I expect my insurance company to honor its contractual obligations.
Please contact me if you require any additional information or clarification. I look forward to a prompt resolution to this matter and appreciate your attention to my appeal.
Sincerely,
Melissa Johnson
Sample Letter 11
Subject: Appeal for Diminished Value Claim Denial – Claim #K852147 – Andrew Davis
Dear Claims Manager,
I am writing to appeal the denial of my diminished value claim, #K852147, related to the accident that occurred on April 12, 2024. I believe I am entitled to compensation for the diminished value of my vehicle, and the denial of my claim is unjust.
Despite the repairs made to my vehicle, it has undeniably lost value due to the accident. The resale value of a car with an accident history is significantly lower than that of a comparable vehicle without such history. This diminished value is a real and quantifiable loss that I have suffered as a result of the accident.
I have enclosed a diminished value assessment from a certified appraiser, which estimates the loss in value to be $5,000. This is a substantial amount that I should be compensated for under my insurance policy.
Your denial letter states that diminished value claims are not covered under my policy. However, I have reviewed my policy documents and found no such exclusion. If there is a specific policy provision that precludes coverage for diminished value, please provide me with the relevant language and citation.
I kindly request that you reconsider your decision and approve my diminished value claim based on the evidence provided. I have been a loyal customer for many years, and I expect my insurance company to act in good faith and fairly compensate me for my losses.
Please contact me if you require any additional information or documentation to support my appeal. I look forward to a prompt and equitable resolution to this matter.
Sincerely,
Andrew Davis
Sample Letter 12
Subject: Appeal for Claim Denial – Vehicle Storage Fees – Claim #L951753 – Jessica Rodriguez
Dear Claims Adjuster,
I am writing to appeal the denial of coverage for vehicle storage fees under claim #L951753. The fees were incurred as a direct result of the accident that occurred on May 20, 2024, and I believe they should be covered under my insurance policy.
After the accident, my vehicle was towed to a storage facility, as it was not safe to drive. The storage fees have accumulated over the past several weeks while I have been working with your company to resolve my claim. These fees are a significant financial burden, and I do not believe I should be responsible for them, given that the accident was not my fault.
Your denial letter states that storage fees are not covered under my policy. However, upon reviewing my policy documents, I found that reasonable and necessary storage fees are indeed covered under the towing and labor provision. I have enclosed a copy of the relevant policy language for your reference.
I have also provided documentation of the storage fees incurred, which total $1,500 to date. I request that you review my policy and the evidence provided and approve coverage for these fees.
Please contact me if you require any additional information or clarification. I look forward to a prompt resolution to this matter and appreciate your attention to my appeal.
Sincerely,
Jessica Rodriguez
Sample Letter 13
Subject: Appeal for Claim Denial – Personal Property Damage – Claim #M753951 – Christopher Lee
Dear Claims Representative,
I am writing to appeal the denial of my claim, #M753951, for personal property damage sustained in the accident that occurred on June 8, 2024. The denial of coverage for these items is inconsistent with my understanding of my insurance policy.
During the accident, several valuable personal items were damaged, including my laptop, smartphone, and prescription eyeglasses. These items were in my vehicle at the time of the accident and were damaged as a direct result of the collision.
Your denial letter states that personal property is not covered under my auto insurance policy. However, I specifically recall discussing personal property coverage with my agent when I purchased my policy, and I was assured that such items would be covered in the event of an accident.
I have enclosed an itemized list of the damaged personal property, along with receipts and estimated replacement costs. The total value of the damaged items is $3,500, which represents a significant loss for me.
I kindly request that you review my policy and the documentation provided and reconsider your decision to deny coverage for my personal property. If there is indeed a provision in my policy that excludes such coverage, please provide me with the specific language and citation.
I have been a responsible policyholder and have faithfully paid my premiums with the understanding that I would be protected in situations like this. I trust that my insurance company will do the right thing and honor its commitments to me.
Please contact me if you require any additional information or clarification. I look forward to a prompt and fair resolution to this matter.
Sincerely,
Christopher Lee
Sample Letter 13
Subject: Appeal for Claim Denial – Rental Car Coverage – Claim #N369258 – Amanda Brown
Dear Claims Supervisor,
I am writing to appeal the denial of rental car coverage under claim #N369258. The need for a rental car arose as a direct result of the accident that occurred on July 15, 2024, and I believe I am entitled to coverage under my insurance policy.
Following the accident, my vehicle was deemed unsafe to drive and required extensive repairs. As a result, I had to rent a car to meet my essential transportation needs, such as getting to work and medical appointments. The rental car expenses have placed a significant financial strain on me during an already challenging time.
Your denial letter states that my policy does not include rental car coverage. However, upon reviewing my policy documents, I found that rental car coverage is indeed included under the “loss of use” provision. I have enclosed a copy of the relevant policy language for your reference.
I have also provided receipts for the rental car expenses incurred, which total $1,200. I request that you review my policy and the documentation provided and approve coverage for these expenses.
Please contact me if you require any additional information or clarification. I look forward to a prompt resolution to this matter and appreciate your attention to my appeal.
Sincerely,
Amanda Brown
Sample Letter 15
Subject: Appeal for Claim Denial – Towing Charges – Claim #O852147 – William Davis
Dear Claims Manager,
I am writing to appeal the denial of coverage for towing charges under claim #O852147. The towing charges were incurred as a direct result of the accident that occurred on August 22, 2024, and I believe they should be covered under my insurance policy.
Immediately after the accident, my vehicle was not in a drivable condition and required towing to a repair facility. The towing charges were necessary and unavoidable, and I do not believe I should be responsible for these expenses, given that the accident was not my fault.
Your denial letter states that towing charges are not covered under my policy. However, upon reviewing my policy documents, I found that reasonable and necessary towing charges are indeed covered under the emergency roadside assistance provision. I have enclosed a copy of the relevant policy language for your reference.
I have also provided an invoice for the towing charges incurred, which total $250. I request that you review my policy and the evidence provided and approve coverage for these charges.
Please contact me if you require any additional information or clarification. I look forward to a prompt resolution to this matter and appreciate your attention to my appeal.
Sincerely,
William Davis
Sample Letter 16
Subject: Appeal for Claim Denial – Medical Expenses – Claim #P951753 – Karen Wilson
Dear Claims Adjuster,
I am writing to appeal the denial of coverage for medical expenses under claim #P951753. The medical expenses were incurred as a direct result of the injuries I sustained in the accident that occurred on September 5, 2024, and I believe they should be covered under my insurance policy.
Following the accident, I sought medical attention for neck pain and headaches. I have undergone diagnostic tests, and physical therapy, and have been prescribed medication by my doctor. These medical expenses are a significant financial burden, and I do not believe I should be responsible for them, given that the accident was not my fault.
Your denial letter states that my policy does not include medical payment coverage. However, upon reviewing my policy documents, I found that I specifically added medical payments coverage when I purchased my policy. I have enclosed a copy of the relevant policy language and my coverage selections page for your reference.
I have also provided copies of my medical bills and treatment records, which total $8,000 to date. I request that you review my policy and the evidence provided and approve coverage for these expenses.
Please contact me if you require any additional information or clarification. I look forward to a prompt resolution to this matter and appreciate your attention to my appeal.
Sincerely,
Karen Wilson
Sample Letter 17
Subject: Appeal for Claim Denial – Mechanical Breakdown – Claim #Q753951 – Thomas Johnson
Dear Claims Representative,
I am writing to appeal the denial of my claim, #Q753951, for repairs related to the mechanical breakdown of my vehicle on October 10, 2024. I believe the denial is in error and contradicts the terms of my insurance policy.
While driving, my vehicle suddenly experienced a total engine failure, leaving me stranded on the side of the road. Upon inspection, my mechanic determined that the engine failure was due to a manufacturer’s defect and not due to any negligence or lack of maintenance on my part.
Your denial letter states that mechanical breakdowns are not covered under my policy. However, upon reviewing my policy documents, I found that I have comprehensive coverage, which specifically includes coverage for mechanical breakdowns due to manufacturer’s defects. I have enclosed a copy of the relevant policy language for your reference.
The cost of replacing the engine is substantial, and I have been paying premiums for comprehensive coverage precisely to protect myself in situations like this. I have also enclosed a letter from my mechanic detailing the cause of the engine failure and the estimated repair costs.
I request that you review my policy and the documentation I have provided and reconsider your decision to deny my claim. I am entitled to coverage for this mechanical breakdown under the terms of my policy, and I expect my insurance company to honor its contractual obligations.
Please contact me if you require any additional information or clarification. I look forward to a prompt resolution to this matter and appreciate your attention to my appeal.
Sincerely,
Thomas Johnson
Sample Letter 18
Subject: Appeal for Claim Denial – Vandalism – Claim #R369258 – Emily Davis
Dear Claims Supervisor,
I am writing to appeal the denial of my claim, #R369258, for vandalism damage to my vehicle that occurred on November 18, 2024. I believe the denial is unjustified and fails to consider the evidence I have provided.
My vehicle was parked in a public parking lot when it was subjected to extensive vandalism, including deep scratches, dents, and broken windows. I promptly reported the incident to the police and filed a claim with your company.
Your denial letter states that there is insufficient evidence to support my claim of vandalism. However, I have enclosed a copy of the police report documenting the incident, as well as photographs of the damage taken immediately after I discovered it. The nature and extent of the damage indicate that it was caused by deliberate, malicious actions and not by normal wear and tear or accidental damage.
I have been paying premiums for comprehensive coverage, which includes protection against vandalism. The cost of repairing the damage is significant, and I should not have to bear this financial burden when I have been a responsible policyholder.
I request that you review the evidence I have provided and reconsider your decision to deny my claim. Please contact me if you require any additional information or documentation.
Thank you for your attention to this matter. I look forward to a prompt and fair resolution.
Sincerely,
Emily Davis
Sample Letter 19
Subject: Appeal for Claim Denial – Windshield Repair – Claim #S852147 – Michael Rodriguez
Dear Claims Manager,
I am writing to appeal the denial of my claim, #S852147, for the repair of my vehicle’s windshield, which was damaged on December 3, 2024. I believe that the denial is in error and that the damage should be covered under my comprehensive insurance coverage.
While driving on the highway, a large rock fell from a construction vehicle in front of me, striking my windshield and causing a significant crack. The damage impairs my visibility and poses a safety risk, necessitating immediate repair.
Your denial letter states that my policy does not cover windshield damage. However, upon reviewing my policy documents, I found that I have comprehensive coverage, which specifically includes glass damage. I have enclosed a copy of the relevant policy language for your reference.
I have also enclosed an estimate from a reputable auto glass repair shop, detailing the cost of the windshield repair. The expense is considerable, and I have been faithfully paying my insurance premiums with the understanding that I would be protected in situations like this.
I kindly request that you review my policy and the documentation I have provided and reconsider your decision to deny my claim. Please contact me if you require any additional information or clarification.
Thank you for your prompt attention to this matter. I look forward to a fair resolution.
Sincerely,
Michael Rodriguez
Sample Letter 20
Subject: Appeal for Claim Denial – Pothole Damage – Claim #T951753 – Sarah Thompson
Dear Claims Adjuster,
I am writing to appeal the denial of my claim, #T951753, for damage to my vehicle caused by a pothole on January 9, 2025. I believe that the denial is unjustified and that the damage should be covered under my collision insurance coverage.
While driving on a city street, my vehicle struck a large, deep pothole, causing significant damage to the tire, wheel, and suspension components. The pothole was unmarked and difficult to avoid due to heavy traffic conditions.
Your denial letter states that damage caused by potholes is considered normal wear and tear and is not covered under my policy. However, the damage sustained goes far beyond what can be reasonably considered normal wear and tear. The impact was severe enough to cause structural damage to my vehicle, compromising its safety and roadworthiness.
I have enclosed photos of the pothole and the resulting damage to my vehicle, as well as a repair estimate from a licensed mechanic. The cost of the repairs is substantial and exceeds my financial means.
I request that you review the evidence I have provided and reconsider your decision to deny my claim. The pothole posed an unavoidable road hazard, and I believe that my collision coverage should apply in this situation.
Please contact me if you require any additional information or documentation. I appreciate your attention to this matter and look forward to a prompt and fair resolution.
Sincerely,
Sarah Thompson
Wrapping Up Sample Letters of Appeal for Car Insurance Claim
Writing an appeal letter for a denied car insurance claim can be a daunting task, but it’s an important step in fighting for the compensation you deserve.
Remember to be clear, concise, and professional in your letter, and to provide all the necessary evidence to support your case.
If your initial appeal is denied, don’t give up. You have the right to escalate your appeal to higher levels within the insurance company, and even to external bodies like state insurance commissioners if necessary.
Persistence and thoroughness can make all the difference in getting a fair resolution.
Keep in mind that insurance companies are businesses, and their primary goal is to minimize payouts.
However, they also have a legal and ethical obligation to honor the terms of their policies and to treat their policyholders fairly.
By asserting your rights and presenting a strong case, you can hold your insurer accountable and get the coverage you’re entitled to.
We hope these sample letters have provided you with a helpful starting point for crafting your appeal.
Remember, every case is unique, so be sure to tailor your letter to your specific situation and policy.
Good luck with your appeal, and don’t hesitate to seek professional help if you need it.