Are you concerned that when you submit a car accident insurance claim, they will not approve it? If you have ever been in an accident, you can relate to how stressful the entire situation can be.
So, it’s important to know what happens once you submit a claim. Unfortunately, not all claims are successful, as some insurance companies seek to avoid paying out.
There are a few things you can do to help increase the likelihood of your insurance claim being successful.
Keep reading to find the top reasons car accident insurance claims may be denied and how you can try to increase your chances of success.
1. Under the Influence of Drugs or Alcohol
If you are in a car accident while under the influence of your insurance claim may be denied. This is because insurers exclude coverage for accidents that occur while the policyholder is intoxicated.
Most states have laws that prohibit insurers from paying claims for car accident faults that occur while the policyholder is impaired. As a result, you may pay for any damages or injuries that occur.
If you get wary that they might deny your claim, speak to an experienced car accident lawyer who can help you increase the possibility of application approval.
2. Driving Recklessly
Most car insurance companies will deny a claim if they determine you were driving recklessly at the time of the accident. It majorly violates most car insurance policies and they consider it a high-risk behavior.
Your insurance rates may also increase or they may cancel altogether your policy. It is important to always drive safely and within the law.
3. At-Fault Driver Doesn’t Have Insurance
An insurance company might deny a car accident insurance claim if the at-fault driver doesn’t have insurance. You might not collect any money from the at-fault driver’s insurance company.
Make sure you have uninsured and underinsured motorist coverage on your own car insurance policy. This coverage can help pay for your damages if the at-fault driver is not insured.
4. Lack of Documentation
When you don’t file an accident report and there are no witnesses or it is not well-documented, an insurance company may have difficulty determining who is at fault. If you don’t have enough evidence to prove your claim, the insurance company may deny the claim.
Next time when you’re in an accident, make sure you get all the documentation you need to help ensure that the insurance company will approve your claim.
5. Your Insurance Policy Has Lapsed
Another reason a car insurance claim will deny your claim is that you let your insurance lapse. This is because of forgetting to pay the bill or switching to another insurer and forgetting to cancel your old policy.
To avoid denied insurance claims, make sure to keep your car insurance policy active and up-to-date.
Get Your Car Accident Insurance Claims Now
There are a number of reasons that car accident insurance claims will get denied. If you’re in this situation, don’t give up. Many of them can be overcome with a little persistence and be sure to avoid these situations next time.
You also need to speak with an experienced car accident attorney to learn more about your legal rights and options.
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