Australia car insurance claim denied: what should I do next?

Start by asking the insurer for the written reasons for denial and the policy terms it relies on. Keep the policy, claim correspondence, photos, repair quotes, police or incident reports and any witness details. If the dispute is not resolved through the insurer’s internal complaints process, AFCA can consider complaints about denial of insurance claims, delays and disputes over liability or excess. Official source: Australian Financial Complaints Authority. Guide: https://getinstantlaw.com/car-accidents/insurance-claim-denied