Business Quote Homeowners Quote Automobile Quote Life & Health Quote

Auto insurance is meant to protect a person’s financial stability if they’re ever in a motor vehicle accident.  Unfortunately, just like any other type of insurance, these claims can be denied.  When this occurs, it can leave a driver on the hook for an excessive amount of money.  This makes it imperative for every driver to understand the most common reasons car insurance claims are denied. 

Lapsed Policy

Lapsed Dallas Auto Insurance policies are one of the most common reasons that a claim will be denied.  This can be a simple mistake on the part of a driver.  Most people have trouble remembering everything in their daily lives, but failing to pay their motor vehicle insurance premium can be far more detrimental than other mistakes.  It’s often a good idea to set up an automatic payment plan to avoid this. 

Damages exceed Coverage

Everyone has seen the commercials on television that offer people the option of state minimum coverage auto insurance.  Unfortunately, this can leave drivers in hot water.  If a person only has $15,000 in property damage coverage but their accident causes $50,000, that driver must find a way to pay the other $35,000 themselves.  This can financially ruin a person. 

Driver not on Policy

Many people believe that their car insurance policy will cover anyone who drives their vehicle, but this is definitely not the case.  A driver who isn’t on a person’s car insurance policy is basically an unknown risk to the insurance company, and they aren’t in the business of providing protection for risks that they cannot foresee.  If someone who isn’t on the insurance policy is involved in a wreck, the company will likely pay nothing. 


Another of the most common reasons for car insurance claim denials is simple oversights.  A person who files an uninsured motorist claim, for instance, will likely be denied if the other driver did have some form of insurance.  These mistakes seem simple, but they can be incredibly time consuming and damaging. 

Inaccurate Information

A fifth common reason for car insurance claim denials is inaccurate information on the policy.  A person who is listed on their policy as living in one area who is really living in another, for instance, creates another unknown risk for an auto insurance company.  Any information that is inaccurate on a policy can cause issues for the insurance company and the policyholder, but mostly for the policyholder.  This makes it imperative to always update information on a policy as it changes. 

Any of the aforementioned reasons can cause a person’s auto insurance claim to be denied.  This is unfortunate considering the fact that all of these instances can easily be avoided.  It’s important for all drivers to understand everything about their policies and to keep them as up to date as possible.  This will ensure that there are no unexpected surprises after the filing of a claim. 

If you want to avoid these common causes of car insurance claim denials, call an All About Insurance agent today at (817) 589-0006 and we can help you out. 

Posted 10:54 PM

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012
  • 2011
  • 2010

View Mobile Version
Quick Links Our Latest Blog Featured Service
Make a Payment
Employee Directory
Our Reviews
Mechanical Inspection
Featured Service
Need help assessing your vehicle's repairs? Let us evaluate it for you.
read more... learn more...
Home|Locations|Get a Quote|Employees|Make a Payment|File a Claim|Testimonials|About|Contact
dotted divider
Mid-Cities Location
7716 Glenview Dr.
Richland Hills, TX 76180
Phone: (817) 589-0006
Fort Worth Location
5840 Jacksboro Hwy
Fort Worth, TX 76114
Phone: (817) 626-3339
Mansfield/Arlington Location
1209 N Highway 157
Mansfield, TX 76063
Phone: (817) 453-5524
Serving the Dallas-Fort Worth area in Texas.
© Copyright 2017. All rights reserved. Powered by Insurance Website Builder
Social Networking Review us on Google Blog RSS Feed Follow on Twitter Connect on LinkedIn Like us on Facebook