You filed your insurance claim expecting fair compensation for your injuries. Instead, you received a denial letter. This scenario plays out constantly across California, insurance companies routinely reject valid claims hoping policyholders will simply accept the decision and move on. Working with a denied insurance claim lawyer can help you push back against these tactics and recover the money you’re owed.
At Steven M. Sweat, Personal Injury Lawyers, APC, we’ve spent over 25 years representing California accident victims whose claims have been wrongfully denied, delayed, or undervalued. We’ve seen insurers use every excuse in the book to avoid paying legitimate claims, from questioning the severity of injuries to blaming pre-existing conditions. The good news? You have legal options to fight back.
This guide breaks down the California insurance appeal process from start to finish. You’ll learn the most common reasons claims get denied, how to gather evidence for a successful appeal, when bringing in an attorney makes sense, and what happens if your dispute ends up in court. If you’re staring at a denial letter right now, the path forward starts here.








