There are various reasons for your claim to be dismissed. The type of policy that you have is one factor. If your claim exceeds your coverage limits, or if you are filing for coverage that you did not purchase, the auto insurance company will deny your claim. The same thing will happen if you have already used up your coverage on other accidents or repairs.
Your insurance company or the other driver’s insurance company has the right to deny your claim if you were violating state law while driving and in the moment of the accident. Such violations include driving without a valid license, driving while under the influence of alcohol or any illegal substance.
In some states, it is illegal to drive without an auto insurance. If you were involved in an accident while your policy has been suspended due to missed payments, your claim will be dismissed.
Your claim may also be dismissed if the insurance company finds that you are filing a fraudulent claim. If you increased the value of your car by adding improvements, customization or special modifications but did not inform your insurer before the accident, your claim for any value higher than the original value will be dismissed.
Other reasons for your claim to be dismissed are not reporting the accident immediately to the police and your insurer and not seeking medical attention immediately after the accident (if you are filing a personal injury claim). The other driver’s auto insurance company may also dismiss your claim if they find that your own insurer is not licensed in the state or is a fraud.
If your claim does get dismissed, be sure to consult with your state’s Department of Insurance regarding dismissed claims first before taking any action.