Home Auto Insurance Car Insurance Claim Denied – Top 8 Reasons Why

20 COMMENTS

  1. I have a license, I was borrowing a family members car for 1 day and someone cut infront of me in traffic and we hit and they took off and left the scene. I was hospitalized I was not on my brothers insurance policy or own a car…. The police report shows it was a hit and run and the other driver was cited but the location of the vehicle accidnet shows otherwise “ I’m fault” how would I handle this I suffered life long injuries, missed 2 months of work , mentally I am not ok still…

  2. My car insurance accepted my claim to fixing my Toyota Corolla but after I got it back I heard a noise in the wheel bearing I took it back the mechanics inspected it and said it was the wheel bearing and now my insurance is denying the supplement what can I do?

  3. Thank you for the information. What happens when a stolen car totaled your car and the drivers flee the scene? Do you sue the other car legitimate owner? They have been victims of theft, and their car was totaled as well. My car insurance claimed that I had comprehensive insurance that didn't include collision, or car rental. I don't recall ever buying insurance that doesn't include car accidents. Why would I? What do I do now? I have no car, and on top of that I am incurring fees at the impound lot…Please help!

  4. I had a small accident where the guy was in the middle of the road with his hazard lights on. I went into the other lane to pass him and sure enough he moved without checking his mirrors and hit me. He apologized and offered to pay cash on the spot to not involve insurance. He only offered 750 cash for something worth maybe 2.5-3k. I took no cash and just said I will be calling his insurance. After 2 weeks of me calling their insurance and them saying we haven’t been able to contact our insured so we cannot take responsibility…they finally call me back after getting both statements and say that after the investigation I was at fault…what am I to do!?

  5. I was making a right on a green light the guy who hit me was making a left and hit me and his insurance denied the claim cause no witnesses, no police report and it’s my word against his is what they said. How do I handle this?

  6. My son had a Geico driver turn in front of him causing an accident. Police report, violations for other driver, and statements show the Geico driver at fault. And Geico still sent us a denial letter. I have an attorney friend who recently sent Geico a pay up in 30 day ($5500) letter or go to court. What are your thoughts on us getting a payment?

  7. I haven t heard from anybody and its been a week…my insurence company is sending out an adjuster and are willing to help because we have uninsured motorist for the other party…and on the police report the other driver was at fault because he went over thw double yellow lines while trying to avoid hitting the guy that was behind me…all I was doing was turning left onto my road and the guy straight up hit me!….instead of going into the ditch to avoid hitting the back of the truck that was behind me he went around onto oncoming traffic and hit me while I was turning onto my road!….i asked the insurence company to send me a copy of there policy that says they wont cover a person that is not on the policy!…but the father of the guy that hit me said his son was coverd on there insurence but he also said he called his insurence company and they had his birthdate wrong on file so they had to change it!…i dnt know what to do…ive seen reviews for southern general insurance and there all bad reviews…

  8. Hi Barry! My insurance company and I can't agree on what constitutes a 'collision.' If you frequently visit a gated community and one day, the (swinging) exit gate that regularly opens for your car–and stays open for a couple minutes–as you safely exit, suddenly malfunctions, opening as you exit then immediately closing on you mid-passthrough. scraping the passenger side of your car, is the damage covered under collision or comprehensive? (I know it's really the HOA's responsibility, but that's a whole other story). Thanks so much in advance!

  9. Hi my insurance company declined my claim. Claims said policy was late.called insurance agent said only thing that dropped was my renters insurance. claims said they need confirmation from agent to honor claim. Help I dont dont know what do from here.

  10. "Coverage has been denied due to Vanessa V****z an undisclosed driver on the policy ********* and she was the operator of the insured vehicle at the time of the loss. This falcon policy is a named driver policy."
    "warning A named driver policy does not provide coverage for individuals residing in The insured's household that are not named on the policy."
    I received this denial letter on December 23, 2019. I live in Texas.
    The driver was Driving her mothers SUV with permission. When she clipped my driver side tail light spun me out of control and I hit the middle concrete barrier at 65 mph on interstate 10. Front airbags deployed broke my nose, suffered a minor concussion, and fractured my 4th, 5th and 6th ribs. Needless to say my truck was totaled and my 11 hour stay at the emergency room cost over $21,000. If I'm not mistaken I thought Texas had already did away with named driver policies back in 2014 and required an excluded driver that was specifically named on the policy was allowed at that time…..? HB 259 came too late for my passenger & I?

  11. So is there anything we can do if we we’re denied for the last reason and accidentally put something inaccurate on our application when we signed up. They are trying to deny us because they said my mom said she owned one of the cars on the policy but she don’t

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