9 Reasons Why Auto Insurance Companies Deny Claims


Your auto insurance provider might advertise reliability and trustworthiness, but those promises might fall flat when you make a claim. Insurance companies have financial incentive to deny and undervalue claims, so they will look for any possible excuse to do so.

If you believe that your insurer denied or undervalued your claim without justification, you can appeal the decision through your insurer’s appeal process. You might also have grounds for an insurance bad faith lawsuit.

Just because your auto insurance claim was denied does not necessarily mean that your insurer acted in bad faith; however, if your insurer was unethical when interpreting your policy or handling your claim, you might have grounds for a lawsuit.

Unfortunately, insurance companies typically have seasoned attorneys to protect them against bad faith lawsuits. If you were treated unfairly by your insurance provider, you can level the playing field by hiring an experienced personal injury lawyer to represent your interests.

An Omaha accident attorney from Rensch & Rensch Law will evaluate your case, assess your insurance policies, gather evidence, and help you fight for the compensation that you deserve. Call 1-800-471-4100 today to schedule a free initial consultation.

Read on to learn nine reasons why car insurance companies deny claims:

Violations of State Laws

Your insurance company can deny your claim if you were driving illegally or breaking the law at the time of your crash. For example, your claim might be denied if:

  1. You were drunk or under the influence of drugs when your accident occurred; or
  2. You were driving without a valid driver’s license.

Claim Exceeds Policy Limits

Some drivers only purchase the minimum insurance coverage to reduce their monthly premiums. Your insurance company might deny your claim if:

  1. You already exhausted your coverage limits;
  2. Your claim exceeds your policy limits; or
  3. Your damages are not covered due to the type of coverage that you purchased.

Other Reasons Why Car Insurance Companies Deny Claims

Your actions and statements in the immediate aftermath of a collision can affect your ability to recover fair compensation. Your insurer may deny your claim if:

  1. You did not undergo a medical evaluation after the collision; or
  2. You did not contact the police after the crash.

Your insurance company might also deny your claim if:

  1. The information you provided when purchasing your policy was inaccurate; or
  2. You were working with a fraudulent agent and the insurance company is not licensed in your state.

If your insurance company is refusing to step up to the plate and cover your losses, contact Rensch & Rensch Law. An Omaha personal injury lawyer will evaluate your case to determine if your insurer acted in bad faith. If so, we can help you fight for the compensation that you deserve.

Our attorneys have more than 45 years of combined legal experience. Call 1-800-471-4100 to schedule a free consultation. You can learn more about car accident claims in Nebraska by visiting USAttorneys.com.




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