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The gist of your question is not clear. Specifically, insurance claims are not directed to people; instead, insureds or claimants direct claims to insurers.

If you are asking about the options that a claimant has if the at-fault party or his/her/its insurer denies liability or damages or both, the claimant is free to file a civil suit for damages. The burden will be on the claimant to prove liability (fault) and damages. If the person sued has liability insurance applicable to the claim, the insurer will provide a defense to the insured, or settle the claim with the claimant if it believes that its insured has a legal liability for the occurrence.

If you are asking about the options that an insured has against his/her/its own insurer in the event of a first-party claim, the insured may likewise usually file a lawsuit for coverage. Those types of lawsuits are generally complex, and it is usually not advisable for the insured to try to represent him/herself. Further, virtually all States have bodies of statutes pertaining to claims settlement practices, and some may provide for additional penalties that can be imposed by the State insurance regulator.

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Q: What happens if a person does not accept insurance claim and files a lawsuit.?
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