If your insurance was charged before your motor insurance paid, there are a few things you can do.
Contact your motor insurance company: First, contact your motor insurance company to find out when you can expect to receive your payment. They should be able to give you a timeline and answer any questions you have about the claims process.
Contact your credit card company: If you paid for the repairs with a credit card, you may be able to file a chargeback with your credit card company. A chargeback is a process that allows you to dispute a charge on your credit card statement. To file a chargeback, you will need to provide your credit card company with documentation of the dispute, such as a copy of your repair estimate and a copy of your denial letter from your motor insurance company.
Contact a lawyer: If you are unable to resolve the issue with your motor insurance company or your credit card company, you may want to contact a lawyer. A lawyer can help you understand your legal rights and options, and they can represent you in court if necessary.
Here are some additional tips for handling a situation where your insurance was charged before your motor insurance paid:
- Be patient: It can take some time for your motor insurance company to process your claim and issue a payment. Be patient and follow up with them regularly.
- Keep good records: Keep all records related to your claim, such as your repair estimate, your denial letter from your motor insurance company, and any other correspondence between you and the insurance companies.
- Be polite and professional: When dealing with your motor insurance company and your credit card company, be polite and professional. This will help you get the best possible results.
If you are having trouble getting your motor insurance company to pay for your repairs, it is important to remember that you have rights. You should not have to pay for repairs that are covered by your insurance policy.