One of the main reasons why drivers get auto insurance is to protect themselves against accidents. Many car insurance claims involve accidents. However, not all car insurance claims are compensated by the insurance company. Here are some reasons why your auto insurance company will deny your claim.

Engaging in Inappropriate Driving Conduct 

When buying an auto insurance policy, ensure you understand the coverage terms. If you are involved in certain behaviors, your insurance company could deny your claim entirely. For example, drunk driving or texting while driving are some behaviors that will void your insurance coverage.

Another instance is if you give your car to an unlicensed driver and they are involved in an accident. Ultimately, if you violate any of the insurance policy terms, your carrier will deny your claim.

Exceeding Policy Limits

Every insurance policy has limits on how much they will pay after a car accident. You must pay for the excess amount if your insurance claim exceeds your coverage limits. For example, if your policy's limit on property damage is $5,000 and you rear-end a $10,000 car, your insurance provider will only pay for damages worth $5,000. It is advisable to pay extra for a higher limit to minimize your out-of-pocket expenses.

Missing the Timeline

Insurance companies require policyholders to file claims within a specific timeline. For example, if the time limitation for filing a claim is 30 days after an accident, and you fail to file within that period, your lawsuit will be denied. Ensure you don't delay filing a claim with both insurance companies after an accident. You should file a claim with the at-fault driver's insurance company and your insurance company.

Defaulting on Payments

An insurance provider may deny a claim because of a lapsed policy. This is one of the reasons you should be up to date with your insurance payments. If a policy lapses and isn't in effect at the time of the accident, your insurer will deny your claim. This applies even if your payment is due the same day the accident occurs.

Failing to Seek Medical Attention

After a car accident, you should go for a medical evaluation immediately. Some injuries manifest long after the accident. Failing to go for a check-up makes it challenging to prove that the injury you sustained resulted from the accident.

If you wait too long before going for a medical evaluation, your insurer can dispute whether your injuries happened in the crash. Therefore, with insufficient evidence to prove personal injury damages, your insurer will reject your claim.

For more info, contact an auto insurance broker.