Insurance Experts Present The Top Reasons For Having A Car Insurance Claim Denied

LOS ANGELES, Dec. 13, 2018 /PRNewswire-iReach/ -- Cheapquotesautoinsurance.com has released a new blog post that presents the most common reasons to have a car insurance claim denied.

Car insurance claims are denied for not respecting the terms of the contract or lying the insurer. Having a claim denied means that the policyholder will pay everything from his own finances.  Find out more about the top reasons for a claim denial and get free quotes from http://cheapquotesautoinsurance.com.

The most common reasons for having a claim denied include:

Asking more reimbursement after exceeding coverage limits. The insurance company will not reimburse any damage beyond the coverage limits. They will pay the maximum limits and the difference will be paid by the policyholder. Those limits are selected when car insurance was purchased and are mentioned in the contract.

An undocumented driver was involved in the accident. All drivers must be declared in the contract. An unregistered person that drives the car and becomes involved in an accident is not covered. The most common scenario is when the policyholder lets a friend or a relative use the car. Insurance companies will reject ulterior claims, should that person be involved in an accident. Furthermore, the company may totally drop coverage.

Not paying the premiums. If the policyholder no longer pays the premiums, then he is no longer covered and future claims will be rejected. Furthermore, not paying the premiums may determine the insurer to cancel coverage and cause an insurance lapse.  Persons with recent lapses are considered "high-risk". 

Unapproved customization. The client can void the entire coverage if he installs different parts and devices without informing the insurer and getting its approval. Customizing the engine and fuel systems are likely to make the insurer drop the client, if they are done without the company's consent. Talk with the insurance company before adding customized parts. Many companies even offer customized-equipment coverage. 

Not being actually covered for that scenario. Each policy covers only specific events. Drivers that do not carry full coverage will not be reimbursed for car theft, vandalism or for damage caused by natural events.

Using the personal vehicle for commercial activities. A personal auto insurance policy will cover a vehicle used for commuting or for pleasure. If the policyholder uses the vehicle for commercial activities like delivering goods or ridesharing, he must declare it. Or risk having future claims denied.

"Missing payments, fronting or using a personal vehicle for business are the most common reasons for having a claim rejected", said Russell Rabichev, Marketing Director of Internet Marketing Company.

Cheapquotesautoinsurance.com is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

For more information, please visit http://cheapquotesautoinsurance.com.

Media Contact: Russell Rabichev, Internet Marketing Company, 8183593898, [email protected]

News distributed by PR Newswire iReach: https://ireach.prnewswire.com

SOURCE Cheapquotesautoinsurance.com