Was your car insurance claim denied? Check out this short video for the top 8 reasons why car insurance claims get denied.
If you’re watching this video your car insurance claim may have just been denied. If you need help, my contact info is: info@legalvlogger.com
0:00 Introduction
0:40 Claim denied because you are liable for the accident
2:35 Insurance claim denied because the policy is lapsed
3:42 The claimant did not file within the timeline
4:50 Claim denied because of fraud or lying
5:46 The driver was excluded from the policy
6:45 Claim denied because you broke the law at the time of the accident
7:25 Denied because they were driving for Uber or Lyft or GrubHub or Doordash
8:00 Not insurance to cover your damages
8:40 Denied because you lied when you signed up for your insurance policy
The first reason why a car insurance claim might be denied assumes that you file a claim with the insurance for the driver of the other car - and the insurance company investigates and determines that you are at fault for the accident. Well they’re going to deny your claim leaving you with only 2 options 1. File a lawsuit against them or 2 file a claim with your own insurance company to get your property damage fixed.
Now it may be that the insurance company wants to put a small percentage of fault for the accident on you. I did a video on when you might want to accept a small percentage of fault for an accident.
Here’s the link:
• When should you accept...
The second reason why a claim might be denied, and this applies to whether you file with the other guy’s insurance or your own insurance, is that the policy lapsed.
I’ve also seen so many cases where policies lapsed a day or a week or a month before an accident. Bottom line though is if the policy was not in effect at the time of the accident there will not be any coverage under that policy.
The third reason I see insurance claims denied is that the claim was not reported in the proper amount of time. Now I see this most of the time with sub standard insurance companies. And they often have in the insurance contract that you signed that if you didn’t report a claim within 30 days you’re then barred from recovering from that policy.
I did a video on filing with your own insurance company here’s the link:
• Whose Property Damage ...
A fourth reason I have seen insurance claims denied is that there was fraud involved or the insured lied to their insurance company. Do not lie to your insurance company.
A fifth reason claims are often denied is that the person driving the car was an excluded driver.
Sometimes, to get an insurance policy, the insurance cover will explicitly exclude a named driver from the policy. Well, if she’s driving the vehicle anyways and gets in an accident, that claim is going to be denied.
A sixth reason your claim might be denied is if you were breaking the law at the time of the accident. Not typical speeding for example but your policy may state that if you get in an accident while you’re intoxicated, that breaches the policy - and that might be used to deny a claim.
I’ve also in the past seen a lot of cases where Uber drivers or DoorDash drivers’ claims were denied because they were driving for Uber at the time of the accident and that was prohibited by the policy. Though that seems to be changing these days.
The seventh reason a claim might be denied at least in part is that it exceeds the insurance policy limits. So if you have a $50,000 car and its totaled and the insurance policy only has coverage for the first $15,000 in property damage your claim won’t be denied per se but there won’t be coverage for a huge part of your claim and you could be stuck with the balance in this situation.
Ok the last reason a claim might be denied is if you provided fraudulent information or even possibly inaccurate information to the insurance company when you signed up for the policy and then tried to make a claim - if they discover the truth they may deny your claim.
I mentioned before that there may be times when you should accept a little fault for an accident - here’s a link to that video I recommend you check that out especially if you only suffered property damage to your vehicle or minor injuries.
• When should you accept...
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Disclaimer: This video is for entertainment and informational purposes only. It is not intended as legal advice and the accuracy thereof is not warranted or guaranteed. This information is prone to errors and omissions. Use this information at your own risk. Watching this video does not create an attorney-client relationship.