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Car insurance provides protection for one of your most valuable assets, but it doesn’t necessarily cover every situation. Depending on the circumstances of an accident or the terms of your policy, your insurer may deny your claim, leaving you to pay for losses out of your own pocket. Below are a few of the most common reasons car insurance claims are denied.

5 Reasons Your Auto Insurance Claim Might Be Denied

1. You Missed a Payment

While your insurer may not immediately cancel your policy if your payment is late, they may suspend coverage until your account is current. Paying for the entire policy upfront reduces the risk of falling behind, and could earn you a significant discount.

2. The Damage Isn’t Covered

car insuranceEach type of car insurance is designed to cover specific situations that may not be covered by your policy. For instance, if you have liability only, your insurance won’t cover damages to your own vehicle in an accident you caused.

3. You Weren’t Covered by the Policy

Some car insurance policies only cover certain drivers, while others may specifically exclude certain members of the household. Depending on the specific language of your policy and the circumstances of the accident, the insurance company may deny the claim based on who was driving.

4. Too Much Time Has Elapsed

Auto insurance companies generally require you to report an accident within a certain period of time. As soon as your vehicle is damaged, check the policy or talk to your agent to find out how long you have to file a claim.

5. You Mistakenly Submitted an Uninsured Motorist Claim

Uninsured motorist insurance is designed to protect you if you’re hit by someone driving without adequate liability coverage. Unfortunately, after causing an accident, some people will tell the other drivers that they don’t have insurance. If you file an insurance motorist claim and your insurer finds out the other driver is covered, they’ll likely refuse to pay, since the liable party’s insurer is actually responsible.


 

Shopping for car insurance can be confusing, especially when you aren’t sure what coverage you need. Since 1965, drivers throughout Clayton, Tiger, Wiley, Tallulah Falls, Sky Valley, Lakemont, Lake Burton, and Lake Rabun, GA, have relied on the independent agents at A.W. Adams Insurance, LLC for help finding tailored coverage options at the best available rates. Visit their website for more on their wide range of insurance services, get more tips and advice on Facebook, or call (706) 782-5100 to request an estimate.

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