Insurance Denies Claim on 2023 Honda
Last month, my wife was involved in an accident with our 2023 Honda Accord when she hit a deer. Unfortunately, Progressive informed us that they won’t cover the damage because one of the rear tires had tread below the safe level—something I’m baffled by given that the car only has 21,000 miles on it. Are we now left with the burden of payments on this totaled vehicle, plus accumulating storage fees at the tow lot indefinitely?
I’m really sorry to hear about your situation. That sounds incredibly frustrating! In many cases, insurance can deny a claim if they find that there’s a significant maintenance issue, like a worn tire, which can be interpreted as a potential contributing factor to the accident. However, you might not be completely out of options just yet.
Here are a few steps you can consider:
Review Your Policy: Look closely at your insurance policy to understand the specifics regarding coverage and maintenance requirements. There might be clauses related to tire condition that you were not aware of.
Check the Tire Condition: If you’re questioning the condition of the tire, you might want to have an independent mechanic examine it. It could have been a manufacturing issue or something that was overlooked.
Appeal the Decision: Contact Progressive and ask for a detailed explanation of their denial. You can also file an appeal if you believe they made an error.
Negotiate Storage Fees: Reach out to the tow lot to see if they can reduce or waive the storage fees. Explain your situation; often, they may be willing to work with you, especially if you’re actively seeking to resolve the insurance issue.
Consult with a Legal Professional: If you feel that you’re being unfairly treated, it might be worth speaking with an attorney who specializes in insurance claims. They can help you understand your rights and options.
Reach Out to Consumer Advocacy Groups: They can sometimes provide assistance or guidance on how to deal with tough insurance situations.
Remember, you’re not alone in dealing with insurance challenges, and it’s important to advocate for yourself in these situations. Good luck!