Car accidents are stressful enough without the added frustration of having your insurance claim denied. Unfortunately, this happens more often than many people realize as a car accident lawyer knows all too well. Understanding why insurance companies deny claims, and knowing what to do next, can make all the difference.
Why Insurance Companies Deny Claims
Insurance companies are businesses, and sometimes they prioritize profits over people. As our friends at Mickey Keenan P.A. can share, claim might be denied for reasons such as:
- Policy exclusions, such as:
- Using your vehicle for commercial purposes (like Uber or DoorDash) without proper coverage
- Allowing an unlicensed driver to operate your vehicle
- Participating in illegal street racing or reckless driving
- Lapsed coverage due to missed payments
- Failure to report the accident promptly
- Disputes over fault or insufficient evidence
- Allegations of fraud or misrepresentation such as:
- Misrepresentations on the application for insurance (failing to disclose every single person over the age of 16 living in the household)
- Providing false information about who was driving at the time of the accident
- Exaggerating the extent of damage or injuries
- Hiding prior damage to the vehicle
- Falsifying the circumstances of the crash (e.g., staging an accident)
Even a minor paperwork error or a vague statement during a phone call with an adjuster can jeopardize your claim. That is why it is important to speak with an attorney before contacting insurance companies so that you are prepared to know what you can and cannot say to protect your claim.
How To Fight A Denied Claim
If your claim is denied, don’t panic — and don’t accept the denial at face value. Start by reviewing your insurance policy carefully. Request a written explanation from the insurer outlining why the claim was denied.
You may be able to appeal the decision, submit additional documentation (like police reports, witness statements, or medical records), or request an internal review. Keep everything in writing and document all communications with the insurance company.
Again, anything you say at this time can also be used to deny your claim later. Be very careful what you say and consult with an attorney to determine what your next steps should be.
When It’s Time To Get A Lawyer Involved
If your appeal is ignored or you’re facing a complex dispute — especially one involving serious injuries, significant damage, multiple parties involved, or a liability disagreement — it’s time to call a lawyer.
An attorney will help accident victims fight back against unfair insurance denials. They understand how to deal with insurers who act in bad faith, and they will work to make sure you receive the compensation you deserve.
Don’t let the insurance company have the final say. If your car accident claim has been denied, contact a lawyer near you today for a consultation. Let their legal experience and dedication work for you — so you can focus on healing while your lawyer handles the rest to protect your claim.