There are a lot of reasons why your Maryland auto insurance claim can be denied. Being upset about it won’t do you any good. On the other hand, if you take the time to figure out the reason behind the denial, maybe there is a chance to change your insurer’s decision. Of course, this is not guaranteed, but it could be one of the many options for car owners.
With that in mind, here are the top 11 reasons as to why your md auto insurance claim can be denied:
- You were under the influence of drugs or alcohol.
It is pretty obvious that any driver under the influence of drugs or alcohol is not qualified for an auto insurance claim. This policy is most known as the Failure to Take Care clause. Insurers typically refuse reckless drivers.
- You have unpaid premiums.
If your premiums are not up-to-date, there is a high chance that your car insurance claim will be rejected. On another note, there are laws that mandate insurers to provide a grace period for consumers to pay any of their outstanding premiums.
- The damages were already repaired prior to contacting your insurer.
One of the reasons as to why you should not repair your damaged car before consulting with your insurer is that they may want to assess the level of damage themselves. Furthermore, if you need the car to be up and running, you can always go to the car repair shop referred by your insurance company.
- You failed to report the incident in a timely manner.
Don’t wait too long to report an accident. Always be updated with your policy as to how long drivers need to make a report.
- Our car is used for business purposes.
Cars that are used for businesses are subjected to your company’s auto policy.
- When the claim is determined to be exaggerated or fraudulent.
Fraudulent claims will not only lead to the rejection of your claim, but it is also considered a felony.
- You do not have full coverage.
Some claims are rejected because consumers are not aware of their car insurance policies. Be sure that the damages you are filing for are covered by your MD auto insurance.
- There is an existing dispute as to who was at fault.
A claim can be rejected if there is an ongoing dispute liability. This should be clarified first as they may not entirely agree with the damages you are claiming.
- Your car was not parked securely at night.
A stolen or damaged car that has been left unattended does not guarantee you a successful MD auto insurance claim.
- You did not get medical attention immediately.
Seeking medical attention as soon as possible will ease your process of reimbursing any kind of hospital bills with your insurer.
- Your state has no-fault insurance laws.
Lastly, you need to be aware of the states that have no-fault coverage. This may be the reason as to why you cannot file against a responsible driver.
In the end, you have to follow the rules established by your insurer so that you won’t encounter any issues with claiming your Maryland auto insurance. Furthermore, seeking assistance from a representative if there is a need to clarify anything is never a bad idea as well.
Insurance Brokers Of Maryland can help you find the best md auto insurance that you can rely on. Minimize your risk and contact us today!