the dog owner’s insurance company denies your claim, there are several steps you can take to address the situation
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Review the denial letter
Carefully read the denial letter provided by the insurance company. Understand the specific reasons for the denial and any applicable policy provisions or exclusions that were cited.
Gather evidence
Collect all relevant evidence to support your claim. This may include medical records, photographs of injuries, witness statements, and any other documentation that proves the dog owner’s liability.
Consult an attorney
Consider seeking legal advice from a personal injury attorney who specializes in dog bite cases. They can assess the strength of your claim, provide guidance on the legal process, and represent your interests if you decide to pursue legal action.
Negotiate with the insurance company
Contact the insurance company and try to negotiate a settlement. Provide them with the evidence you have gathered and explain why you believe they should reconsider their denial. Be prepared to present a strong argument and be persistent in your efforts.
File a complaint
If negotiations with the insurance company are unsuccessful, you can file a complaint with your state’s insurance regulatory agency. They can investigate the matter and potentially mediate a resolution between you and the insurance company.
Consider legal action
If all else fails, you may choose to file a lawsuit against the dog owner. Your attorney can guide you through the legal process, help you build a strong case, and represent you in court if necessary.
Remember, the specific steps to take may vary depending on your jurisdiction and the circumstances of your case. It is crucial to consult with a legal professional to ensure you are following the appropriate course of action.