We get auto insurance firstly because we are legally required to in order to drive, and secondly, to protect ourselves in the event of an accident. Depending on the extent of your coverage, you can file a claim for replacement, medical bills, damages or theft of your car and good auto insurance companies will handle your claim quickly and painlessly. However, be aware that even if you have insurance, there is no guarantee that your claim will be accepted.
Common Reasons for Claim Denial:
• Not part of coverage
If you only get minimum liability coverage, then chances are that the extent of support you’ll get from your insurer is extremely limited. For example, minimum liability will not cover damages to your own vehicle if you have an accident. If the other party is an un/underinsured driver, you better have collision or Underinsured Motorists Coverage, or you can kiss your compensation goodbye.
• You do not qualify to be covered under the specific ..Read more