5 Reasons Auto Insurance Claims Can Be Denied

​Most times filing auto insurance is an easily-done task to car owners. However, there are claims which get denied by the companies. It is essential to understand what went wrong and genuinely familiarize yourself to these situations for easy approval. Here are some most common reasons why companies can deny auto insurance claims.

​Missed Premium Payments
With auto insurance policies, the company and the client have a contract to agree. Companies commonly grace them a period to pay their premium. If the client failed to pay, it is possible for the company to deny the claims.

Damages are not Part of Coverage
The type of coverage you choose will dictate which costs can be covered by your company. You have to specify the coverage you think you will need in the future. Sometimes you cannot help but allow another driver to drive your car; however, some policies only cover for the regular driver. Since you have limits on buying coverage, you have to be more considerate in choosing what you need.

Due to Client's Negligence
The company will most likely deny your claim if the company believes you could do something to avoid the event. Such as accidents caused by drunk driving or speeding, your request will get rejected. Allowing an unlicensed driver who caused the misfortune to use your vehicle will cause denial, too.

Late Claims after the Incident
It is advised to gather information about the incident and report them immediately to your insurer for the reason of time limit. If you did not seek medical attention when you need to or did not act instantly, the company may doubt and be suspicious that your claims did not happen after the accident. Moreover, it is about money; one wrong move could put you in financial trouble.

No Evidence of Accident
You should provide documentation to prove your claims. If you leave without recording significant information, the company cannot confirm your claims. Take photographs of the damages and injuries, and have medical records and police reports as your proof of the accident. Do not forget to report immediately with these pieces of evidence.

It is essential to understand fully and to buy auto insurance that can help you deal with future problems.

At Priority Insurance LLC​, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (864) 297-9744. Get your free quote today by CLICKING HERE.