Reasons For Car Insurance Claim Denial
If your claim is rejected, you will receive a letter outlining reasons why your auto insurance will not pay. Fortunately for you, you have the option of contesting the grounds for the claim’s denial rather than accepting this decision as final. The absence of facts to back claims frequently results in rejections. If your auto insurance claim is denied, it is best to talk to a denied car insurance claim lawyer.
Let’s talk about the most frequent causes for vehicle insurance claims to be rejected.
1. Damage Caused To The Car Due To Drunk Driving
The auto insurance provider will almost certainly reject your claim if you are involved in an accident while operating a vehicle while under the influence of alcohol or drugs. However, you run the risk of going into even more serious issues if you don’t disclose your DUI to the insurance agent.
Do you know whether there are any exclusions? Yes, but it’s complicated since you’ll need to demonstrate that you weren’t using drugs or alcohol; in other words, you’ll be presumed guilty until you’re proven innocent.
2. The Driver Responsible For The Accident Does Not Have Auto Insurance
Your auto insurance may decline to pay the claim if you are involved in a car collision with a driver who does not have insurance. The hit-and-run scenario is another reason why the auto insurer will not make a payment.
3. Your Claim Was Rejected By An At-Fault Driver’s Insurance
Their auto insurance might reject the claim if another driver was at fault for the collision. Lack of coverage or submitting inaccurate insurance information are two possible causes.
4. You Missed the Deadline for Filing Your Claim
Find assistance for all injured people as quickly as you can in the tragic event of an accident. After that, call the insurance company and let them know about the collision after notifying the police and taking images using your phone. Your automobile insurance claim will be rejected if you don’t report the collision within the required time frame.
5. You Failed To Provide Evidence Of Your Losses
Your request for an automobile insurance claim should be accompanied by proof of loss; otherwise, the claim will likely be rejected. A hospital bill, auto repair bill, police complaint report, or other comparable documents might serve as proof of loss.
6. The Accident Was Caused In Part By The State Of Your Car
If you drive a defective car or use your car for activities that are not permitted by your insurance coverage, your car insurance claim will be rejected. Additionally, you run the danger of having your auto insurance claim rejected if you have been careless with your vehicle or made modifications that you haven’t disclosed to your insurance provider.
7. You Made False Statements When Filing Your Auto Insurance Claim
The correct information should be included on every auto insurance claim. If you intentionally or accidentally enter inaccurate information, your claim will be rejected, and you could be charged with misrepresenting the facts. Lying on your auto insurance claim is against the law. However, if you make a minor error, like inputting the wrong birth date, it is simple to correct.
