If you have auto insurance and happen to get into a car accident, the next logical step would be to file a claim. Sadly, not all auto insurance claims are approved. There are multiple reasons why an insurance company may deny your claim, but that doesn’t mean you are out of options. At Ottawa Insurance Agency in Zeeland, MI, we work directly with our clients to ensure a seamless claims process after a covered accident.
Reasons for Insurance Companies Denying Claims
Auto insurance claims may be denied for a variety of reasons. For instance, the person filing a first-party claim may not be covered under the policy. Other common reasons include:
- There was no insurance policy in effect at the time of the auto accident
- The vehicle was not listed on the car insurance policy
- The insurance company investigated the claim and determined the accident was not covered
- The claimant was driving under the influence or without a license
- The insurance claim exceeds the policyholder’s coverage limits
- The claimant had pre-existing injuries, or the vehicle damage was not caused by the accident
- The policyholder failed to report the accident within an acceptable timeframe
What Should You Do If Your Claim Is Denied?
If your auto insurance claim was denied, you have the right to appeal the decision. Most insurance companies have processes for policyholders to contest a denied claim.
While preparing your appeal, gather ample evidence, including reports, photographs, and eyewitness statements. Draft a clear and concise letter for your appeal explaining each piece of evidence and providing as much detail as possible.
Talk to an Agent for More Information
If your auto insurance claim was denied, our experts are here to help. For additional help, contact the Ottawa Insurance Agency at our Zeeland, MI office.
