Any insurer can deny a claim. For auto insurance and other forms of property/casualty insurance, the majority of the real underwriting takes place after a claim is filed.
The insurer will send an adjuster to assess the situation and check facts that were given to the insurer. If the insurer discovers a circumstance that was misrepresented and would have prevented them from offering you a policy, or if they discover that the reason for your claim is not covered by the policy, the insurer will deny the claim.
In a heart beat. Just give them the opportunity. Actually, your auto policy is a extremely broad insurance policy and there truly are very few claims denied due to most claims are covered risk of loses. But if you are one of the weak bad boy characters and cause the loss directly or running form the in and out with a gun and wade of gum with a cartoon of cigs then you, my friend, are up the proverbial creek and NO ONE IS GOING TO GIVE YOU A HAND.Any vehicle used in a felony is just flat out of luck (that includes running moonshine irregardless of what the tv show implies).
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
The claim can be denied for fraud. Some companies refer suspected fraud to prosecutors. The claim can be denied if there wasn’t any coverage. It can be denied if the policy was cancelled. It can be denied if the report was made too late. The denial of a claim is a very serious matter and companies are generally reluctant to deny a claim. If you had a claim denied you can seek recourse through the courts.
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The insurer will send an adjuster to assess the situation and check facts that were given to the insurer. If the insurer discovers a circumstance that was misrepresented and would have prevented them from offering you a policy, or if they discover that the reason for your claim is not covered by the policy, the insurer will deny the claim.
The claim can be denied for fraud. Some companies refer suspected fraud to prosecutors. The claim can be denied if there wasn’t any coverage. It can be denied if the policy was cancelled. It can be denied if the report was made too late. The denial of a claim is a very serious matter and companies are generally reluctant to deny a claim. If you had a claim denied you can seek recourse through the courts.