Dear Vehicle Owner: Rebuttals Every Vehicle Owner Can Use When Insurance Denies a Repair

1. “That system is just a driver aid.

   “It may assist, but it also takes action — and if it acts incorrectly, I could be in danger.”

2. “We’re not paying for calibration.”

   “Then I’ll need that denial in writing, along with your company’s acceptance of liability.”

3. “You can drive it — it’s safe.”

   “Is that your professional opinion, based on a verified calibration of the safety systems?”

4. “There’s no dash light on.”

   “The absence of a warning doesn’t mean the system is working. I want proof.”

5. “We’ve never paid for that before.”

   “That doesn’t change what the manufacturer requires today.”