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Mistakes that could lead to an insurance denial

On Behalf of | Nov 7, 2023 | Insurance |

Statistica reported 4,099 deaths from auto accidents in California in 2022. Luckily, the majority of crashes do not result in fatalities, but those people may have injuries that leave them in a struggle to get insurance to cover the related expenses.

There are several actions you could take that might lead to an insurance denial or delay.

Delaying reporting the accident

One common mistake that can jeopardize your insurance claim is failing to report the accident promptly. Most insurance policies require you to report an accident within a specific timeframe, often within 24 to 72 hours. Failing to do so could raise suspicions with your insurance company and result in a claim denial.

Providing incomplete or inaccurate information

When filing your insurance claim, make sure you provide complete and accurate information. This includes details of the accident, the people involved and the extent of the damage. Misrepresenting facts or omitting important details can cause issues.

Having a lack of documentation

Insurance companies rely heavily on documentation to process claims. Failing to gather sufficient evidence, such as photographs of the accident scene, contact information for witnesses and the police report, can make it difficult to prove your case.

Failing to cooperate

You must cooperate with the insurance company during the claims process. This means providing any requested documents, answering questions truthfully and following their instructions.

Neglecting to seek medical attention

Delaying medical treatment or downplaying your injuries can give the insurance company reason to doubt the severity of your injuries and potentially deny your claim.

Exceeding policy limits

Be aware of your insurance policy’s coverage limits. If your claim amount exceeds these limits, your insurance company will not cover the entire cost.

Admitting fault prematurely

Even if you believe you may have been at fault, it is best to let the insurance company’s investigation determine responsibility. Prematurely admitting fault can become evidence against you.

Understanding the potential pitfalls and avoiding these common mistakes can help ensure your insurance claim process is smooth. By being diligent and transparent throughout the process, you can minimize the risk of a claim denial.