Reasons Why the Car Insurance Claim was Denied

Having car insurance is very important to every car owner. It is not only to protect the car but also the driver and its passenger. It will serve as financial protection in case you get into a car accident and damage someone else’s vehicle or injure them. So if you’re planning to buy a car or if you already have one, you must consider applying and getting car insurance. There are so many car insurances that were being offered by different companies out there. In fact, even the company where you bought your car, offers insurance. All you need to do is to choose the perfect car insurance for you. Apply and then wait until you get approved. However, take note that car insurance doesn’t give you the authority to drive recklessly. Not all claims can be guaranteed to be approved. If your claim got denied, here are the reasons why the car insurance claim was denied.

Here are the Reasons Why the Car Insurance Claim was Denied:

Car Insurance Policy Violation

It is important that you read your car insurance booklet once you receive it. It might be boring but you should keep in mind that you need to be aware and familiarize yourself with the policy. So that you’ll know what to do in case you need to file a claim.


Be aware that car insurance will only protect your from accidents or if something happen that is beyond your control. They will conduct an investigation and if they found out that you’re the one responsible for the accident due to your recklessness or negligence, they will deny your claim. So be a responsible driver.

Unpaid Car Insurance Premiums

This is one of the most common reason why claim was being denied is because they did not pay their premiums. It is important that you pay your car insurance regularly or better yet pay it in full amount. So in case an accident happen, they will help you with your expenses.

Activities Against the Law

If you own a car, you must be a responsible driver. Follow the road rules. Don’t do anything that is against the law because if your insurance provider find out, there’s a big chance that your claim will be denied.

Unauthorized Repair

Beware of the authorized repair limit that your insurance provider provided. You must not exceed your limit because your claim will be automatically get denied if that happens.

Lack of Coverage

If your claim got denied, ask yourself if the car damage was included in the insurance that you paid. Many car owner think that a cheaper insurance is better than the expensive ones, but actually it’s not. The reason why insurance gets expensive is because they have add-ons. Think of it, the cheaper the insurance is, the more it will cost in the future if something happens.

It is advisable to every car owner to have a car insurance, but before your get one, conduct a research first. Check which insurance is better for you. Always remember to read the policy and familiarize yourself.

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