Claim Denied: WHY?

There are many reasons a car accident claim can be denied, valid or not. If your car insurance claim was denied, take note of the reason(s) given in the insurance company’s denial letter. Then take out your insurance policy and begin reading. The denial could be an error based on a lack of complete information or misinformation. But it could also be a correct determination by the insurance company.
Some common reasons for denial are:

• No car insurance coverage was purchased for the claim presented. For example, if you drive an older vehicle, you may carry only liability insurance and have no collision coverage because it is expensive. A claim under your policy for damage to your own vehicle will rightfully be denied.
• You do not qualify as a named insured under the policy. For example, you are a teenager and you are specifically excluded under your parents’ policy because your parents do not expect you to drive their vehicle.
• Your coverage has lapsed because you failed to pay your premium before the end of the grace period.
• The amount of damage claimed exceeds your policy limits and the insurance company will not cover the excess.
• You bought a new car and failed to notify the insurance company to add it to the policy within the specified time given in the policy.

If, after reading the insurance company’s reasons and reviewing your policy, you still believe coverage has been wrongfully denied, there are some steps you may take to try to remedy the situation. You have certain rights under your policy and under state law. Your insurance company has a duty to fairly and promptly settle your car accident insurance claim in good faith. Your Massachusetts Auto Insurance Policy is a contract. Have you looked at yours lately? http://www.jmdins.com/

The source material supplied by insurance.freeadvice.com