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Can Auto Insurance Providers in Los Angeles Deny Claims?

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When filing a claim for auto insurance in Los Angeles, California, and other areas, people can have many questions about the process for filing a claim, and what coverage they may get from their car insurance provider. Being in a car accident is difficult enough, the steps needed to file a claim should be simple and you hopefully don’t run into issues of if your auto insurance provider can deny your claim. While this varies depending on your company and situation, here are some basic facts that can help you understand reasons why your car insurance claim was denied:

Reasons Your Car Insurance Company May Deny Your Claim:

  • You filed a claim under coverage you do not have. It is best practice to verify your car insurance coverage before getting into an accident. This way you are prepared once you file a claim, and know what you will be covered for in advance.
  • Upgrading your car without notifying your insurance company. If you have made improvements to your vehicle, make sure to notify your auto insurance company to keep their records up to date on your vehicle.
  • If you file a fraudulent claim that fabricates an accident, your losses, or exaggerates the actual issue. To avoid these issues, make sure you are as accurate as possible with the accident and damages, and take pictures.
  • If you miss your payments or are past due. When your insurance is not paid to the point of no longer being covered, your insurance company will likely deny your claim if you are not currently covered.
  • If you file a claim for something that is a loss not included in your policy. This can happen if you are using your car for your business but did not make sure this was covered under your policy.

These are some of the more common reasons why auto insurance claims can be denied. Check with your current auto insurance provider in California to make sure that you have the coverage you need and that you get your claim questions answered before an accident happens. Planning in advance, just in case there is an incident, can help you be more prepared.