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Reasons Insurance Companies Deny Car Accident Claims

Written by Jared Staver

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Jared Staver is a Personal Injury Lawyer based in Chicago, Illinois and has been practicing law for over 20 years.

Jared Staver

CATEGORY: Auto Accidents, Insurance


When accidents happen, drivers rely on their insurance to pay for the various costs associated with a collision. However, insurance companies can be unreliable. In fact, most providers will do everything in they can to deny a claim. The Chicago car accident attorneys at Staver Accident Injury Lawyers, P.C. know that having your claim denied can cause havoc in your life. From your newly acquired financial burden to the medical treatment associated with your recovery, there is no area left unaffected.

If you have been involved in a car accident, contact the experienced Chicago personal injury lawyers at Staver Accident Injury Lawyers, P.C.. We will evaluate your situation and help you file an insurance claim. Call (312) 236-2900 today to find out how we can help you.

Some of the most common reasons that car accident claims are denied by insurance companies include:

Failing to List Someone on the Insurance Policy

Most insurance companies require policyholders to report all family members above the age of 14 who live in the household. If a person not listed on a person’s insurance account is involved in a collision, repair costs and other expenses may not be covered. Businesses want to minimize risk. They only care about their bottom line, doing everything in their power to prevent their company from losing money.

If you have a new household member, you must often list them on your insurance policy as well. For example, if a step child moves in or you adopt a child who is of age to drive a car, you should report them as living within your household. Otherwise, the insurance company may deny the claim, leaving you responsible for all injuries and losses.

Using a Personal Vehicle for Business Purposes

Another reason that car accident claims are denied involves how account holders use their vehicles. If a person crashes their car while using their vehicle for business purposes, it is likely that their claim will be denied. From the perspective of the insurance company, using a vehicle for both business and personal use puts the driver at a higher risk of being involved in an accident. Most insurance companies require policyholders to obtain a special endorsement when a vehicle is being used for work purposes.

Failing to Evade an Avoidable Accident

If the accident in which you were involved is deemed to be your fault and it was avoidable, your insurance company may deny your claim unless you have proper coverage. Comprehensive coverage will cover your losses; however, if you only had liability coverage and the accident is determined to be your fault, your claim may be denied.

If an insurance company denies your claim and it was the other driver’s fault, you should immediately seek legal help. Liability insurance should cover your losses even if the accident could have been avoided by the other driver.

Find Out How We Can Help

If you believe that you are not being treated fairly by your insurance company, the attorneys at Staver Accident Injury Lawyers, P.C. can help. Our dedicated team of legal professionals can speak with the insurance company on your behalf. If your accident was caused by another person’s recklessness, you may also be able to pursue funds through a personal injury lawsuit. There are a number of ways for you to obtain compensation, but you must take action.

Call (312) 236-2900 or contact us online to see how we can help.

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(312) 236-2900
(312) 236-2900
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