Thousands of Georgia drivers are struggling to get claims approved by their insurance providers. According to recent studies, Georgia ranks seventh in the nation for denied auto insurance claims, logging approximately 2,200 complaints.
Why It Matters: For drivers, an unexpected claim denial can lead to severe financial strain. Many Georgians are left paying out-of-pocket for repairs, medical bills, or legal disputes—costs they believed were covered under their policies.
Reasons Behind Denials: Common reasons cited include:
- Incomplete or inaccurate information in claims.
- Policy lapses due to missed payments.
- Exclusions in coverage that drivers were unaware of.
- Delays in reporting accidents that insurers interpret as non-compliance.
- Disputes over fault following an accident.
How It Works: The Georgia Office of Insurance and Safety Fire Commissioner oversees insurers operating in the state. However, critics argue the office isn’t doing enough to monitor claim practices or protect policyholders. The office’s track record over several decades often leads to a perception of viewing insurance companies as its constituents rather than taxpaying consumers.
Why This Should Catch Your Attention: Drivers may not realize the potential gaps in their policies until they need coverage most. This leaves residents vulnerable, particularly when accidents involve uninsured drivers, fraud, or disputes about liability.
What Experts Recommend:
- Review Policies Regularly: Check for exclusions, coverage limits, and renewal terms.
- Document Thoroughly: Take photos, collect police reports, and save receipts.
- Report Accidents Quickly: Submit claims as soon as possible to avoid disputes.
- Seek Legal Help When Necessary: Attorneys can assist with disputes and appeals.
What’s Next: State officials and consumer advocates are calling for stronger oversight of insurance providers. Meanwhile, policyholders should stay informed about their coverage and prepare to act quickly if they face a denial.
Residents concerned about insurance disputes can file complaints with the Georgia Department of Insurance and explore resources for legal assistance.
B.T. Clark
B.T. Clark is an award-winning journalist and the Publisher of The Georgia Sun. He has 25 years of experience in journalism and served as Managing Editor of Neighbor Newspapers in metro Atlanta for 15 years and Digital Director at Times-Journal Inc. for 8 years. His work has appeared in several newspapers throughout the state including Neighbor Newspapers, The Cherokee Tribune and The Marietta Daily Journal. He is a Georgia native and a fifth-generation Georgian.
