Decision on Your Claim
Claim Number: {{claim_number}}
Dear {{claimant_name}},
We have finished our review of your claim. We are sorry to tell you that we cannot cover this loss.
Why Your Claim Was Denied
We have denied your claim for the following reason:
{{denial_reason}}
This decision is based on your policy, specifically the section on {{policy_section}}.
If You Disagree
We understand that this is not the news you were hoping for. If you do not agree with our decision, you can:
- Send more information: If you have new information you would like us to consider, please send it to us.
- Talk to your adjuster: You can call {{adjuster_name}} at {{adjuster_phone}} to talk about this decision.
- Contact the Department of Insurance: You also have the right to contact your state's Department of Insurance.
If you have any questions, please let us know.
Sincerely,
{{company_name}} {{adjuster_name}}
Jurisdiction Notes
Rhode Island
Horsman illustrates a sufficient contemporaneous explanation of relevant policy language and facts in a commercial-auto UIM denial. Record the grounds available when the decision is made; later-acquired reasons cannot substitute for that explanation. See the case’s scope.
