Know your rights ·

The insurer denied my claim

General information for New Jersey, New York and Washington, DC · Last updated

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.

Talk to an attorney about your situation

Free initial consultation

Talk to an attorney about your case today.

Speak directly with Steven J. Sico, Esq. Evening and weekend appointments are available by request.