Car Insurance Claim Denied? 6 Possible Reasons Why

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Car Insurance Claim Denied? 6 Possible Reasons Why

by | Dec 31, 2018 | Auto Accidents, Insurance, Personal Injury

Filing a car insurance claim should be simple. But many people get their car insurance claim denied, sometimes when it shouldn’t have been. The question is, why was your claim denied? If you know the reason, you can work to remedy the situation and prevent it from happening again in the future.

Here are six reasons your car insurance claim might be denied.

You Didn’t Pay Your Premiums

If you miss a payment, your auto insurer can suspend your policy. Whether it was an honest mistake or you didn’t have the money, neglecting to pay your premium each month can mean the difference between coverage and no coverage.

You Don’t Have Full Coverage

Drivers in Florida are required to have a minimum of $10,000 of personal injury protection coverage and $10,000 of property damage liability. But that’s just the minimum coverage. If you’re in an accident and you only have the minimum, injuries and property damage can easily surpass these amounts.

You Didn’t Report the Accident Fast Enough

If you wait to report an accident, you could be putting your coverage at risk. Your insurance company might say that they did not have enough time to review the claim if you wait too long. Be sure to check your policy to see how long you have to make a report.

You’re an Excluded Driver

On your auto insurance policy, you have the option to name who you want to include under your policy. If you are not a named driver under the policy of the car you were driving when the accident occurred, you will be denied. To avoid this problem, name everyone who will be driving a car on your policy.

You Didn’t Seek Immediate Medical Attention

You shouldn’t wait to seek medical attention after an accident. The longer you wait, the harder it’s going to be to get compensation for hospital visits and treatment. A visit to the doctor can also serve as proof of the extent of your injuries that resulted from a crash. After getting medical attention, report your injuries and supporting documentation to your insurance.

Your Claim Was Fraudulent

If you file a claim that is fraudulent or exaggerated, your insurance will find out and reject your claim. You could also face legal consequences because it is a felony. Don’t risk trying to get more for your accident claim.

Car Insurance Claim Denied? Contact Us Today

Not all denied coverage is your fault. If you think that your insurance claim was denied without cause, you need to seek the help of an experienced attorney.

Was your car insurance claim denied? Get in touch with us today so we can review your case with you. Contact us, or click the chat icon to get the help you need.

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