The most common reasons claims are denied by car insurance companies

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LOS ANGELES (PRWEB) February 23, 2022

Cheapquotesautoinsurance.com has launched a new blog post that outlines the top reasons claims have been denied by car insurance companies.

For more information and free auto insurance quotes, please visit https://cheapquotesautoinsurance.com/top-reasons-for-having-your-insurance-claim-denied/

Policyholders who file an insurance claim expect to be reimbursed for the damages they have suffered. However, in some cases, policyholders will have their claims denied. In these situations, the insured will have to pay for the damage with their own money.

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Usually, an insurance claim is denied for the following reasons:

  • The vehicle is driven by an unauthorized person. All drivers using the vehicle must be declared in the insurance contract. If a person is involved in an accident and this person is not mentioned in the contract, then any insurance claim will be rejected. In many situations, policyholders let their friends or relatives use their car, even if they are not mentioned in the contract.

  • Unpaid insurance rates. Policyholders who do not pay their insurance premiums are not covered and their insurance claims are instantly rejected. In addition, insurers can cancel insurance policies and lead to default by drivers who do not pay their insurance premiums. Drivers with recent faults are considered “high risk” and will have to pay more on their insurance.
  • Driving a faulty vehicle. Insureds are responsible for providing proper care and maintenance to their vehicles. Insurers can deny a claim if inspection of the vehicle after the accident shows that the accident was the result of a mechanical or electrical problem that was obvious.
  • Policy Limits. Before purchasing an insurance policy, drivers will need to select their coverage limits. Insurers will not pay for any damage that exceeds the coverage limits. Insurers will pay the maximum limits and the rest will have to be paid by the insured out of their own pocket.
  • Dangerous driving. Usually, insurance companies will include special clauses in the contract. These clauses specify that insurers have the right to reject a claim if the insured was a danger on the road, or if he was driving illegally. Insured persons who cause accidents while driving while intoxicated or speeding will not be reimbursed by their insurers.

For more information, money saving tips and free auto insurance quotes, visit https://cheapquotesautoinsurance.com/

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Read the full article at https://www.prweb.com/releases/the_most_common_reasons_for_having_the_claims_denied_by_car_insurance_companies/prweb18515705.htm

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