{"id":15335,"date":"2021-05-18T01:53:53","date_gmt":"2021-05-18T01:53:53","guid":{"rendered":"https:\/\/webdemo.icu\/site\/andywins\/?p=15335"},"modified":"2026-02-02T23:21:52","modified_gmt":"2026-02-03T07:21:52","slug":"6-reasons-the-insurance-company-denied-your-claim-after-a-crash-and-what-to-do-next","status":"publish","type":"post","link":"https:\/\/webdemo.icu\/site\/andywins\/blog\/6-reasons-the-insurance-company-denied-your-claim-after-a-crash-and-what-to-do-next\/","title":{"rendered":"6 Reasons Your Auto Insurance Claim Got Denied"},"content":{"rendered":"\r\n

Vehicle insurance policies promise to cover your losses after a car accident and provide peace of mind to the policyholder. However, these policies have a lot of loopholes, and insurance companies sometimes wrongfully deny claims. It\u2019s important that you understand how insurance companies try to save money and deny legitimate claims after a crash.<\/p>\r\n\r\n\r\n\r\n

At Andy Citrin Injury Attorneys, our Mobile-based car wreck attorneys<\/a> have stood up to insurance providers for decades. In this blog, we\u2019ll outline common reasons insurance companies deny legitimate claims, and what you can do if you find yourself in this unfortunate situation.<\/p>\r\n\r\n\r\n\r\n

Tactics Insurance Companies Use to Justify Insurance Claim Denials<\/h2>\r\n\r\n\r\n\r\n

The auto insurance company\u2019s main goal is to make money. So, if there\u2019s a way to avoid paying your expensive property damage and personal injury claims, it will do its best to take advantage of that loophole. Sometimes, these reasons are valid. Other times, the reason the claims adjuster denied your claim is just a flimsy excuse.<\/p>\r\n\r\n\r\n\r\n

Our property damage and personal injury attorneys frequently see the following reasons for denied claims.<\/p>\r\n\r\n\r\n\r\n

Missed Deadlines<\/h3>\r\n\r\n\r\n\r\n

After an accident, you should file your claim promptly. Under Alabama and Mississippi\u2019s state laws, you have a limited amount of time to file a lawsuit and demand compensation from the auto insurance company. The length of your filing deadline will depend on your circumstances. If you miss these deadlines, you may lose out on your right to compensation. If you\u2019re unsure about what to do next or what time limits apply to your case, contact a lawyer<\/a> right away.<\/p>\r\n\r\n\r\n\r\n

You\u2019re Not Caught Up on Your Insurance Premiums<\/h3>\r\n\r\n\r\n\r\n

If you don’t pay your auto insurance bill, you typically can\u2019t claim insurance coverage. However, your insurer may not be able to deny your claim simply because you made a single late payment in the past.<\/p>\r\n\r\n\r\n\r\n

There Wasn\u2019t Enough Documentation<\/h3>\r\n\r\n\r\n\r\n

After your property is damaged in a crash, the insurance may deny your claim because there wasn\u2019t enough evidence. In addition to taking pictures and videos of your damaged property and the scene of an accident, a personal injury lawyer can help you collect additional information and consult with engineers and other experts.<\/p>\r\n\r\n\r\n\r\n

The Insurance Company Questions Your Credibility<\/h3>\r\n\r\n\r\n\r\n

When filing a claim, it\u2019s critical to be completely honest about the extent of the damage to your vehicle and your body. If you exaggerate or it seems like your claim is unsupported by the evidence (like medical records, medical bills, a police report, or a repair estimate from the body shop), the insurance company will likely deny it on the grounds that you \u201clied.\u201d<\/p>\r\n\r\n\r\n\r\n

Coverage Issues<\/h3>\r\n\r\n\r\n\r\n

While we expect the insurance company will take care of everything, insurance policies don\u2019t cover everything. For example, as part of a motor vehicle policy, Alabama only requires $25,000 in property damage policy coverage. That means that even if your brand-new car or truck is totaled, a minimally insured, at-fault driver\u2019s insurance company will only pay up to $25,000 for this loss.<\/p>\r\n\r\n\r\n\r\n

Sometimes, the insurance company may also claim that your property damage wasn\u2019t a result of the accident, and deny your claim. If you\u2019re having a tough time convincing the insurance company to take you seriously, it\u2019s time to call a lawyer.<\/p>\r\n\r\n\r\n\r\n

The Damage Doesn\u2019t Exceed Your Collision Deductible<\/h3>\r\n\r\n\r\n\r\n

If you have collision coverage as part of your insurance policy, you typically must pay a specific amount of out-of-pocket money before the auto insurance company will pay any of your expenses. This is your deductible. If the value of your claim is $450, but your deductible is $500, the insurance company won\u2019t cover any of your damages.<\/p>\r\n\r\n\r\n\r\n

Look Out For Insurance Bad Faith<\/h2>\r\n\r\n\r\n\r\n

Sometimes, insurance companies and claimants get into legitimate disagreements about a claim. However, insurance adjusters sometimes intentionally delay or deny claims that they know are valid, just to save the company money. In Alabama and Mississippi, insurance companies must handle your property damage claims in good faith \u2013 otherwise, you may be entitled to additional compensation.<\/p>\r\n\r\n\r\n\r\n

Your insurance adjuster may be acting in bad faith if they engage in the following behaviors:<\/p>\r\n\r\n\r\n\r\n