Insurance Denies Claim on 2023 Honda
Last month, my wife had an accident with her 2023 Honda Accord when she hit a deer on the road. Unfortunately, Progressive has informed us that they won’t cover the damages because one of the rear tires was below the safe tread level. I’m not sure how that could happen with only 21,000 miles on the car. Are we really left to pay for this totaled vehicle and the ongoing storage fees at the tow lot?
I’m really sorry to hear about your situation. It can be incredibly frustrating when an insurance claim gets denied, especially under such circumstances. Since Progressive cited the tire’s tread as a reason for denial, it may be worth reviewing the specific terms of your policy. Sometimes, insurance companies may deny claims if they believe that a vehicle was not in a safe condition at the time of the accident.
Here are a few steps you could consider:
Review Your Policy: Take a close look at your insurance policy, specifically the sections related to coverage, exclusions, and requirements for vehicle maintenance.
Gather Evidence: Document the condition of the damaged tire before the accident (if possible) and gather any information that shows it was still safe to drive.
Contact Progressive: Reach out to Progressive and ask for a detailed explanation of their decision. It’s important to understand their perspective and what specific policy language influenced their denial.
File an Appeal: If you believe the denial was unjust, you can file an appeal with the claims department. Provide any supporting evidence to strengthen your case.
Consult a Professional: If you’re still facing roadblocks, it might be helpful to consult with an insurance claims advocate or an attorney who specializes in insurance disputes.
Storage Fees: You should also inquire about the storage fees. Some insurance policies cover towing and storage after an accident, so it’s worth asking whether you might have coverage for those costs.
I hope you’re able to resolve this situation quickly!