The last thing you want is to be involved in a motor vehicle accident. If you do find yourself in this position and you realize it is time to make a claim, you hope your insurance company makes life easy.
There are times when a car insurance claim is denied. This may not be fair, so you need to better understand why the claim was denied and what you can do moving forward.
Here are some of the most overlooked reasons for a car insurance denial:
– You failed to list the driver of the vehicle on your policy.
– You were using your personal automobile for business use. If you plan on doing this, it is important that you let your car insurance company know about it.
– Changing garaging address. Make sure you are clear with your insurance company as to where the vehicle is being garaged. If this changes for any reason, such as moving to a new state, don’t hesitate in providing your insurance company with updated information.
You purchase a car insurance policy to protect yourself, as well as your vehicle, in the event of an accident. There is nothing worse than the thought of a denied claim, as this can cost you a lot of time and money. Not to mention the fact that it will add unnecessary stress to your life.
If for any reason your car insurance claim is denied, you should understand why and then learn more about your rights. You may be able to file an appeal to have the denial overturned.
Source: Infinity Insurance, “Most Common Reasons for an Auto Insurance Claim Denial,” accessed Aug. 18, 2015