Determine What to Do When Car Insurance Denies Claim

Car insurance claim denied? It's important to understand why your claim was denied, what your insurance policy covers, and what you can do about it. We all know how important car insurance is and the penalties for driving without it, but we don't often think of what to do when your claim is denied. We'll explain why a claim might be rejected and the next steps you can take after a denial. 

If you find yourself in an accident, make sure to get all of the other party's information and insurance so that you can follow every step to making a well detailed and completely factual claim. Getting in a situation where your insurance claim is denied can be stressful, but we want you to know there are still options.

Understanding Your Denial

Car insurance companies can deny a claim for many reasons, and the exact reason will differ in every scenario. The most common reasons for denial include the following:

• A delay in filing your claim

• Fraudulent claims

• Drunk driving

• Violating their terms and conditions

• Driving without a valid license

• Car damage outside of what is covered in the policy

• Modifications to the vehicle

• Your insurance has lapsed

Typically, when you're doing everything you're supposed to, including filing promptly, you won't have to worry about your insurance denying your claim. However, if, for whatever reason, your claim is denied, there are some steps you can take to try and get your claim approved, including filing an appeal.

What Can I Do If Car Insurance Denies Claim?

Appealing denied car insurance claims starts with an appeal letter to the insurance agency. We recommend doing this if you feel your insurance provider has made a mistake or is not living up to the agreement you signed with them. When filing an appeal letter, we recommend referencing specific sections in their policy that you followed or that they are not following. The more evidence you provide, the better, including police reports and added documentation. In some instances, it may be worth hiring a lawyer and filing a suit against the insurance company. If you think you have legal standing, consult with an attorney first. All these options also apply if you were not at fault and the other party's insurance denies their claim. If the other party claims your damages or injuries were pre-existing, this could also result in claim denial. 

Review Your Car Insurance Policy

When your claim is denied, your insurance provider will explain why they made that decision. We recommend reviewing your insurance policy to see why they have denied your claim. Unfortunately, if their denial is backed up by legitimate reasons in their policy, your options might be limited. It is still likely worth filing an appeal, especially if there were extenuating circumstances on your end. Still, you'll want to make sure you have a full understanding of your policy before filing your appeal. 

Visit Bob Moore Collision Center for a Free Repair Estimate

As you work with your insurance provider to file your original claim, they'll want you to take your car to a collision center to estimate the damage your vehicle has sustained. Bob Moore Collision offers free estimates without commitment, especially if you fear your claim might be denied. Visit Bob Moore Collision Center in Oklahoma City for your free collision repair estimate.