Denied Repairs Documentation & Response Kit

Contents & Purpose:

• Formal Request for Written Denial of Repair Coverage
  A professional template used by repair facilities to formally request that an insurance adjuster provide a detailed written denial, including:

  • Specific reasons for the denial

  • Supporting policy language or guidelines

  • Adjuster’s full contact details
    This document enforces transparency and holds insurers accountable to Fair Claims Settlement Practices.

• Refusal to Provide Written Denial Form
  A form completed when an insurer refuses to provide a written denial. It records the verbal refusal, names involved, and the denied repair. This helps maintain documentation for future complaints or legal action and informs the customer of their rights.

• Key Points: Fair Claims Act & Denied Repairs
  A reference guide summarizing key legal obligations insurers have under fair claims laws, including:

  • Requirements for written denial letters

  • Legal and regulatory consequences for non-compliance

  • Actions repair shops and customers can take to protect their rights

• Violations for Denied Repairs
  An informational sheet explaining how insurance denials—especially when written documentation is withheld—may constitute violations of the Fair Claims Settlement Practices Act. It outlines:

  • Consumer rights

  • Legal obligations of insurers

  • Next steps including complaint filing and legal consultation

• Complaint to the State Department of Insurance
  A ready-to-use complaint template for submitting to a state insurance department. It allows customers or repair shops to formally report insurers who deny coverage and fail to issue written denials. This document includes all essential fields to detail the incident and request an investigation.