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If Car Insurance Denies Your Claim – “Expert Verified” means that our Financial Review Board has thoroughly reviewed the article for accuracy and clarity. The Review Board consists of a panel of financial experts whose aim is to ensure that our content is always objective and balanced.
Written by Natalie Todoroff Written by Natalie TodoroffArrow Right Writer, Insurance Natalie Todoroff is an insurance writer for , before which she wrote for a popular insurance comparison app. After graduating with a B.A. in English, she initially pursued a career in book publishing. Now she is focused on transitioning from professional reader to professional writer. Natalie Todoroff
If Car Insurance Denies Your Claim
Edited by Maggie KempkenEdited by Maggie KempkenArrow Right Senior Editor, Insurance Maggie Kempken is insurance editor for . She helps create insurance content that meets the highest quality standards for accuracy and clarity, helping readers navigate complex home, auto and life insurance information. She also focuses on ensuring that insurance content represents and lives up to the brand. Maggie Kempken
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Reviewed by Mark Friedlander Reviewed by Mark FriedlanderArrow Right Director of Corporate Communications, Insurance Information Institute Mark Friedlander is director of corporate communications at III, a nonprofit focused on helping consumers better understand insurance. Connect with Mark Friedlander on Twitter Twitter Connect with Mark Friedlander on LinkedIn Linkedin About Our Review Board Mark Friedlander
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What Is An Insurance Claim?
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Understanding Your Insurance Offer After An Accident
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If you have filed a claim after a car accident, there is always a possibility that your car insurer will deny your claim. Although it is stressful to hear that your claim has been denied, you can still appeal your insurance company’s decision. Before you begin the appeals process, it may be helpful to first understand the reason for the denial so you can plan your next steps. The insurance editors explain what can lead to a car insurer denying your claim and some options you can consider if you want to appeal the decision.
Why Do Insurance Companies Deny Claims?
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After you file a claim with your auto insurance company, an insurance adjuster is responsible for documenting the details of the accident. After analyzing the facts provided, the adjuster will determine whether or not the auto insurance claim will be denied or accepted. If the accident is not covered by your auto insurance policy, the insurance company will send you a formal letter explaining the factors that led to the decision.
A denied car insurance claim does not necessarily mean the end of the claims process. If you disagree with your insurer’s denial of the claim, you have the right to appeal the insurance company’s decision.
How Long Does A Car Insurance Claim Take To Settle?
Depending on the circumstances surrounding your auto insurance claim, several factors could result in your claim being denied. Police reports, eyewitness statements, recreating an accident scenario and more can influence the outcome of a filed auto insurance claim. In some cases, a claim may even be denied due to bad faith or misrepresentation, making it important to be honest and accurate with your auto insurer when reporting your claim.
If you receive a denial letter, read it carefully as it usually contains supporting evidence for the decision. Some common reasons why a claim is denied include:
Failure to pay your insurance premium on time may result in lapse of coverage, meaning you will not have an active policy against which to make your claim. Paying your auto and home insurance premiums on time is the best way to ensure coverage is in place when you need to make a claim. Whether you pay the policy term in full or use autopay to avoid missed payments, preventing coverage lapses is critical. In addition to the chance that your claim will be denied, lapses in coverage may also result in fines and other penalties, such as a suspension of your driver’s license and vehicle registration, depending on your state.
When purchasing car insurance, pay attention to the coverages you choose and what they provide financial protection for. For example, you may have an older car and want comprehensive and collision coverage
Things Standard Car Insurance Doesn’t Cover
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