Detailed answer — step‑by‑step guide under Vermont law

When an insurer denies an injury claim after a minor accident, you can take several clear steps to challenge that denial and pursue payment. The exact process depends on your insurance policy language and Vermont rules, but the practical roadmap is the same:

1. Read the denial and your policy carefully

   Start by reading the denial letter and the specific policy provisions it cites. Look for deadlines for internal appeals, claim‑handling timelines, and any requirements for providing additional documentation. Your insurer must identify the reason for denial. If the letter is vague, request a written explanation.

2. Gather and organize your evidence

   Collect everything that supports your claim:

   • Accident report or police report (if available)
   • Photos of vehicles, damage, and scene
   • Medical records, doctor notes, bills, and diagnostic test results
   • Receipts for out‑of‑pocket expenses (taxis, prescriptions, etc.)
   • Names and contact information for witnesses

   Organizing this into a single packet (or PDF) makes it easier to present a complete case.

3. Follow your policy’s internal appeal or proof‑of‑loss procedures

   Many policies require you to submit a formal appeal or additional documentation within a set period. Follow those steps exactly and keep written proof (dated emails, certified mail receipts, or delivery confirmations). If the policy provides a specific appeal route, use it first.

4. Send a clear demand letter

   If you believe the denial was wrong after you gather evidence, send a concise demand letter to the claims adjuster and the insurer’s appeal or dispute unit. State the facts, summarize the evidence, identify the policy provisions that support payment, and request a decision within a reasonable time (for example, 14–30 days). Keep your tone factual and professional.

5. Consider alternative dispute options in your policy

   Some policies include appraisal, mediation, or arbitration clauses. Those clauses can require you to follow a non‑court process. Carefully review your policy for those provisions before filing a lawsuit. If you are unsure, contact the Vermont Department of Financial Regulation (DFR) consumer resources to understand your options: https://dfr.vermont.gov/.

6. File a complaint with Vermont’s insurance regulator

   If the insurer fails to respond reasonably, you can file a consumer complaint with the Vermont Department of Financial Regulation. The DFR can investigate insurer conduct, explain applicable state rules, and sometimes help resolve disputes: https://dfr.vermont.gov/.

7. Decide whether to sue — small claims vs. civil court

   If administrative routes fail, you can consider suing the insurer or the at‑fault driver in court. For low‑value disputes, Vermont’s small claims court is often faster and cheaper. For larger claims or disputes over liability or serious injuries, a superior court claim may be necessary. Check Vermont court guidance and filing rules at the Vermont Judiciary website: https://www.vermontjudiciary.org/.

8. Consult a Vermont attorney when appropriate

   Talk to an attorney if the insurer still refuses to pay, denies coverage entirely, or you think the insurer acted in bad faith. An attorney can review coverage issues, prepare a demand or complaint, and explain whether a bad‑faith or breach of contract claim is viable.

Throughout the process, keep detailed, dated records of all communications (phone calls, letters, emails). Do not sign away rights or accept the insurer’s first low offer if your documented damages exceed that offer.

Vermont has consumer protections and insurer regulation enforced by DFR. For general statutes and to look up specific Vermont laws that may apply to insurance or limitations, use the Vermont Statutes Online: https://legislature.vermont.gov/statutes/.

Helpful Hints

• Act quickly. Insurance policies and court rules may impose strict deadlines.
• Read your policy’s definitions. Words like “accident,” “occurrence,” and “reasonable and necessary” can affect coverage.
• Document injuries and treatment: early medical records and provider notes strengthen your claim.
• Keep copies of every paper you send or receive. Use certified mail or email with delivery/read receipts when possible.
• Be cautious with recorded statements. You do not have to give a recorded statement beyond necessary factual details; consult an attorney if unsure.
• If the insurer cites a late notice or a material misrepresentation, show proof of timely reporting or honest, consistent statements.
• Use the Vermont Department of Financial Regulation as a resource for complaints and guidance: https://dfr.vermont.gov/.
• For low‑dollar disputes, research Vermont’s small claims process before filing suit: https://www.vermontjudiciary.org/.
• If you suspect wrongful denial or systemic bad faith, consult a Vermont attorney experienced in insurance disputes.