Probable Reasons Why an Auto Insurance Claim is Denied

​As an auto insurance policyholder, one of the worst things that could happen is to get rejected when filing your claim. But you can avoid related scenarios from happening if you know what you should avoid doing. 

To ensure you won't encounter any hassle when submitting your claim, learn the most likely reasons why an auto insurance claim is denied. 

Failure to Pay on Time 
If you want to boost your chances of your claim getting approved, the best route is to make sure you're paying on time. Failing to do so may result in more harm such as penalties or worse, your auto insurance policy might be put in peril. 

If you want to make sure that the payments you made are accurately recorded in the system, ask your provider for a double-check. 

Your Policy Doesn't Cover the Incident
One of the reasons you should be aware of each of your coverages is to make sure you need it. If you opt for cheaper policies, expect that your coverage will only be limited. While more affordable premiums can bring benefits, it also carries an equal risk in case trouble arises. 

Your License was Suspended
While this should be an open ground for claim denial, some still try to earn a claim even with a suspended license. 

You Used the Car Commercially
For those who opt for a personal use policy, be sure to use your vehicle for your trips and not for commercial use. Since business vehicles are often used, the likelihood of an accident also increases. However, you could still be accepted for claims if you specified or extended your policy coverage. 

Filing Claim took to Long
A crucial step for a better chance of securing your auto policy claim is through reporting it to your insurer as soon as possible. Usually, insurance companies indicate a specific time frame to contact them after an incident. If you fail to do so, the chances of getting denied increases. 

Make sure to check your terms stated in your policy to figure out how long you’ll be given time to report your claim. 

Conclusion
With these considerations, you can achieve and reap more benefits from your auto insurance policy if you avoided these reasons. To assure yourself what claims are qualified, it may be best to contact an insurance agent or your provider. 

At Black and Associates Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (509) 464-0058. Get your free quote today by CLICKING HERE.