¶ … Insurance Company:
My name is Mr. X and my Stateside insurance policy number is 123123. I have been a loyal policyholder for five years. This letter addresses rejected claim xyz, regarding the damage done to my Chevy Impala on December 18, 2011.
I contacted Stateside immediately upon the night of the accident to file a claim, and there is a record of my claim in your database. I issued a sworn, recorded statement over the phone to a Stateside insurance representative identified as Lisa, one of your claims handlers. However, I recently received a letter from your organization, informing me that my claim was rejected. I am writing this letter to appeal the decision.
As I informed Stateside at the time, I was driving home from the movie theater that night when the accident occurred. The night was very cold, and the roads had not been adequately salted. My car skidded on some black ice and I was unable to control the car as a result. The car crashed into a nearby lamp post. I was not injured, but my car sustained major damage to the front of the vehicle in excess of $2,500, which I have had to pay out-of-pocket since my claim was rejected.
Under the circumstances, it was impossible for me to control the vehicle. The reason that black ice is so dangerous is that it is virtually undetectable from the driver's point-of-view. I was driving with my lights on, wearing my seatbelt, and was not talking on my cellphone or otherwise distracted. No one else was in the car and I was not driving in excess of the speed limit. I have a clean driving record and no history of any reckless driving. Despite...
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