The following can be reasons for an insurance company to deny your claim:

1. Incorrect coverage – If your insurance policy only has a collision coverage (helps pay for repair or replacement if your car is damaged in an accident with another vehicle or object) and your claim is for comprehensive coverage (damage that is not from collisions like vandalism, fire, or falling objects), then the insurance company has the right to deny your claim.

2. Uninsured motorist claim – You made an uninsured motorist claim on your policy for an accident; however, the other driver involved in the accident has insurance. Your insurance company will deny your claim and you would have to file a claim on the other driver’s insurance company.

3. Your coverage has lapsed – If you missed a payment on your insurance premium before the set grace period, then you are no longer insured. If you are not the at-fault driver during the accident, the other driver’s insurance might pay for the damages.

4. Excess amount – The amount of the damages on your claim has exceeded the limits of your insurance policy. The insurance company should still pay for the amount stated on your policy limit, but if they deny the entire claim, you must get in touch with a lawyer.

5. New vehicle – You bought a new car but did not add it into your policy in the given time frame.

For more information on what to do after your claim has been rejected, visit

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