You could get your car insurance claim denied for doing these things
Car insurance is very much a necessary evil for drivers and their peace of mind. Sure, some people drive without it. However, even if you make an insurance claim after a crash or an incident, you might be out of luck. That’s right; your car insurance claim can be denied even when you think it will help you.
Your car insurance claim could get denied if you break the law, let it expire, or opt for insufficient coverage
No one wants to call their car insurance provider to make a claim. After all, that phone call means the worst has happened. However, even though you pay into your policy without fail, there are a couple of reasons you might not be covered.
- Allowing your car insurance policy to lapse
- Insufficient coverage under your policy
- You broke the law
One of the quickest ways to find yourself sans insurance coverage is to allow your policy to lapse. I mean, you wouldn’t expect Progressive or Geico to cover you if you don’t pay them, right? Consequently, you as the policy holder must ensure that your policy is up to date and paid for in full.
Don’t fret; you can set your car insurance policy with an auto-pay function to make sure you don’t miss a payment. As such, you can depend on your policy without having to remember to pay for it manually.
Beyond a lapsed policy, you might not have the coverage level to pay for the repairs you need. For instance, if you’re driving down the highway and a semi-truck launches a rock into your windshield, it may end up chipped or cracked. Unfortunately, unless you have a comprehensive policy or auto glass coverage, your provider may not approve your claim.
In that same vein, liability coverage, or minimal coverage, may not cover you for much of anything beyond the damage you cause to other peoples’ property. As the term “minimal” suggests, it’s the lowest allowable level of coverage in 49 of 50 U.S. states.
Finally, your provider may deny your insurance claim if there’s evidence that you committed a crime. For example, if you make a claim for repairs after a wreck and the police find you at fault after breaking a traffic law, you could be on the hook.
