The Most Common Reasons Why Drivers Have Their Car Insurance Claims Rejected

LOS ANGELES, Aug. 14, 2019 /PRNewswire-PRWeb/ -- Compare-autoinsurance.org has launched a new blog post that explains when drivers can have their claims rejected by their car insurance companies.

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In most states of the US, drivers need to purchase car insurance in order to legally drive on the roads. The only exception is New Hampshire. In case of a car accident or of another covered event, the policyholders will get reimbursed after filing a claim. However, in some situations, the claims can be rejected. The most common reason why claims are rejected are the following:

    --  Not informing the insurance company about the incident in a reasonable
        period. Policyholders that fail to inform their insurers, or inform them
        too late, can end up having their claims rejected. Most insurers will
        specify in the policy contract about the timeframe in which the
        policyholders are allowed to report an event.
    --  Driving under the influence of alcohol or forbidden substances. A
        DUI/DWI is a serious felony in all states and car insurance companies
        have some harsh penalties for drivers that are convicted for this kind
        of traffic violations. Typically, insurers will refuse to pay the claims
        of drivers that are convicted for driving while under influence. Also,
        some insurance companies will drop their customers that got convicted
        for DUI.
    --  Getting involved in an accident while the covered vehicle is used for
        different purposes than the ones stated in the contract. Drivers that
        are using their personal vehicles to deliver commercial goods, conduct
        business, or for ridesharing purposes without having commercial
        insurance or ridesharing insurance can have their claims denied if they
        are involved in a car accident.
    --  Driving while the license is expired. Drivers that are driving while the
        license is expired or suspended, will have their claims rejected by
        their insurers if they are involved in a car accident.

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SOURCE Compare-Autoinsurance.org