8 Ways Your Car Insurance Claims Can Be Denied And What To Do
If you’re like most people, car insurance is one of the last things on your mind. You pay for it every month without much thought and continue along with life as usual.
However, if you’re ever in an accident or need to make a claim, it suddenly becomes the most important thing to take care of. But what mistakes can lead to the rejection of your claim? Read on to know about eight reasons your car claim may be denied and what to do.
You Forgot To Pay Your Premium
Your car insurance policy is a contract between you and the insurer. You agree to pay the premium in exchange for coverage. If you don’t make your payments on time, the insurer has every right to cancel your policy or deny claims made under it. This is true even if the reason for the claim has nothing to do with your failure to pay.
The best way to avoid this is to always pay your premiums on time. If you can’t afford the full amount, reach out to your insurer and see if you can make partial payments or set up a payment plan.
The Statute Of Limitations Has Expired
You can file a car insurance claim in a limited time frame. This is known as the statute of limitations and differs from state to state. Make sure you’re aware of the time frame in your state, so you don’t miss the deadline.
If you’re even slightly unsure whether you fall within the statute of limitations, speak with an attorney specialising in car insurance claims. They will be able to tell you for sure and help guide you through the process if need be. Or click here to learn how to appeal your denied insurance.
Your Policy Doesn’t Cover The Accident
Not all accidents are the same, and neither are insurance policies. There are many different types of coverage, which can make things confusing. Do you have comprehensive coverage? Or collision coverage? What’s the difference between the two?
If you’re unsure what accidents are covered under your policy, give your insurer a call and ask. It’s also a good idea to review your policy periodically so you know exactly what is and isn’t included. This way, there will be no surprises down the road.
Your Damages Weren’t Caused By The Accident
Just because you were in an accident doesn’t mean your insurer will cover all damages. If it can be proven that the damages weren’t caused by accident, they may not be covered. For example, suppose you have an outdated system. In that case, any damage sustained in an accident may be attributed to wear and tear rather than the collision itself.
Take pictures of the damage as soon as possible after the accident. This will help show that the damage was, in fact, caused by accident and not pre-existing.
You Waited Too Long To File Your Claim
It’s important to file your car insurance claim as soon as possible after the accident. The longer you wait, the more difficult it will be to prove that the damages were caused by the accident and not something else.
You Didn’t See A Doctor Right Away
If you’re injured in an accident, you must see a doctor as soon as possible. Not only is it important for your health, but it will also help support your claim. The insurer may deny your claim if you don’t have medical records to back it up.
Even if you don’t feel like you need to see a doctor, it’s still a good idea to go. Many times, injuries sustained in an accident aren’t immediately apparent. By getting a full check-up, you’ll have the documentation you need should you start feeling pain or other symptoms down the road.
You Didn’t Cooperate With The Insurance Company
After an accident, the insurance company will likely request certain information and documents from you. You must cooperate and provide them with everything they ask for. If you don’t, they may deny your claim. When the insurance company asks for something, give it to them as soon as possible. The sooner you provide them with what they need, the sooner they can process your claim.
Your Claim Wasn’t Supported By Evidence
When you file a car insurance claim, you must prove that the damages were caused by the accident and not something else. This is typically done by providing evidence in the form of photos, medical records, police reports, and eyewitness testimony.
If your car insurance claim is denied, don’t despair. There are many reasons why claims are denied, but that doesn’t mean you can’t appeal the decision. If you have questions about your particular situation, speak with an attorney specialising in car insurance claims. They will certainly help you out.