As a car owner, you should never let your auto insurance provider deny your claim without putting up a fight. Pennsylvania auto insurance companies may deny you for a variety of reasons. It is important to know the top reasons as to why your car insurance claim is being denied so you have a better chance of fighting for the claim.
On the flip side, it is also a good idea to know these reasons so you have a guideline to work with in the future on what to realistically expect when you are filing for a car insurance claim with an auto insurance provider.
- Due to your negligence
If the accident that you were involved in was due to your negligence, you can expect that your car insurance claim is going to be denied right off the bat. As a driver, it is your responsibility to be on the lookout for accident-prone areas and avoid those.
- Lack of proof of the accident
The burden of proving that the car accident happen falls entirely on you. Make sure that you have sufficient proof before you put in a claim from your auto insurance provider.
- Inactive policy
A common misconception regarding Pennsylvania auto insurance companies is once you sign the contract, you are always going to get coverage no matter what happened as long as it is related to your car. This isn’t the case. You have to make sure that the fixed amount of premium has been paid.
- Suspended license before the accident
Whether it is an oversight or by intention, driving with a suspended license will automatically get your claim denied if you were to get into a vehicular accident. Even if you were on the right and the other driver was the one being negligent, you can expect that your auto insurance provider is going to deny your claim.
- Not filing the claim immediately
It is important that you files your claims as soon as possible. This will also help you with remembering certain aspects of the accident because they may still be fresh on your mind. If possible, file the claim within 48 hours.
- Medical history
Your medical history will be checked after you file a claim. If you had a medical condition on the date of the accident which could’ve led to that accident, there is a strong chance that your claim will be denied.
- Lack of medical aid
If you get injured during the accident and you included that in your documents when filing for a claim, it is important that you make a note that you received medical assistance. If you didn’t receive any or you didn’t include it in your claim, your auto insurance provider may question how your injury links to the accident.
- Insufficient documentation
If you don’t have anything to detail out that the accident happens from your perspective, your claim will be denied. Documentation is key.
Miller Carlisle Insurance Services is among the leading Pennsylvania auto insurance companies today. Contact us and we will give you the coverage you need!