Quick answer
Obtain the written denial and distinguish coverage, liability, benefit, and valuation disputes.
Do now
Read the policy, denial reasons, appeal or review instructions, and deadlines. Keep submissions and delivery evidence. Ask about legal remedies and an appropriate state or DC insurance-regulator complaint.
Watch for
A regulator complaint does not necessarily preserve a lawsuit, arbitration, or benefit-review deadline. Do not assume every denial means the incident was your fault.
Official sources
NJDOBI — Auto Insurance Consumer Information, NY DFS — No-Fault FAQs, DC DISB — Consumer Auto Insurance Guide.
