Insurance claims are often denied for various reasons, from technicalities to questionable practices by the insurer. A common issue is the absence of an official police report, which provides an impartial account of an accident. Without this, the insurance company may easily deny your claim. Even if a police report exists, it might not assign fault, leading the insurer to conduct its own investigation, which may not align with the actual events. Sometimes, the opposing party may provide inaccurate evidence, further complicating the claim.
Policy exclusions, such as “acts of God” that cover uncontrollable natural events, can also lead to denial. If the other driver’s insurance has lapsed due to non-payment, the insurer is not obligated to cover the claim, leaving you reliant on your uninsured motorist coverage. Additionally, your underinsured motorist coverage might need to step in if the at-fault party’s coverage is insufficient. Timely reporting is crucial, as delayed claims can be denied if they miss the policy’s filing deadline. In some cases, the denial may stem from bad faith practices by the insurance company, where they unjustly reject claims or delay responses.
source: https://tingeylawfirm.com/at-fault-drivers-insurance-denies-your-car-accident-claim/
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