Three Reasons Why Your Auto Insurance Company Might Deny Your Claim

When your claim is refused, you may wonder what went wrong. This may occur for a genuine reason, but in other situations, you may be able to contest a claim denial successfully. The sections below will go over what a legitimate denial looks like and how you may receive help submitting a dispute.

Policy Restraints:

When getting auto insurance, you must decide the level of benefits you require. Higher coverage limits will, on average, help you collect the money you need after a covered incident. The coverage you choose will also impact whether or not the insurer will cover the claim. However, after your claim exceeds your policy limitations or if you don’t have coverage at all, there’s little an insurance company can do.

If you’ve reached the limit of your insurance coverage or you’re submitting a claim for coverage you didn’t buy, such as a claim for repairs, if you don’t have collision or comprehensive insurance, your claim may be denied.

Violation Of State Laws:

To drive legally in most states, you’ll need a valid driver’s license and proof of financial responsibility. Your auto insurer may deny your claim if your accident occurs while driving illegally or breaching the law. The claims department of your insurance company may decline your claim if, at the time of the accident, you were going. In cases where you are intoxicated or under the influence, or the insurance feels you could have avoided the accident. If you were operating a vehicle without a valid driver’s license or a car without good auto insurance, your claim would have chances to be denied.

Other Reasons:

Insurers may also decline your claim if there is only circumstantial evidence or if there is reasonable doubt about what happened. As a result, it’s critical to collect as much information as possible and provide it to your insurer or a third-party insurer.

When you got your quotation, you gave false information, and the insurance discovered it when investigating your claim. Your insurance firm isn’t licensed in the state, and the agent you’ve been dealing with is a fraudster.

In many cases, these specialized departments will assist clients in resolving a disagreement with their auto insurance company. If everything else fails and a significant sum of money is at stake, you may choose to hire an attorney like ChasenBoscolo Injury Lawyers to represent you.

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