What to Do When Your Trucking Insurance Claim Is Denied

Having your trucking insurance claim denied can be frustrating, but it doesn’t have to be the end of the road. At Logrock, we understand how critical it is for trucking businesses to navigate the insurance process smoothly. If you’ve had a claim denied, here’s what you can do to dispute the decision and protect your business:

1. Understand the Reason for Denial

Carefully review the denial letter to understand why your claim was rejected. Knowing the reason helps you determine if there was an error or misunderstanding.

2. Review Your Policy

Check your insurance policy to ensure your coverage applies to the situation. Sometimes, claims are denied due to misunderstandings about what’s covered. Logrock recommends you regularly review your policy to ensure it fits your business needs.

3. Gather Supporting Evidence

If you believe the denial was incorrect, collect additional evidence to support your case, such as:

✅ Photos of the incident or damage  

✅ Witness statements  

✅ Repair estimates  

4. Contact Your Insurance Adjuster

Reach out to your adjuster to discuss the denial. They might be able to resolve the issue or clarify the misunderstanding. Logrock suggests being proactive in these discussions to ensure a fair review.

5. Appeal the Denial

If the claim is still denied, most insurers offer an appeal process. Be prepared to present your evidence and make a strong case. Logrock can help guide you through the process if you need additional assistance.

A denied insurance claim isn’t the end. With the right steps, you can often resolve the issue and get back on track. At Logrock, we’re here to help ensure you have the right coverage and guide you through the claims process. Make sure you understand your policy, gather evidence, and take advantage of the appeal process to protect your trucking business.