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Benjamin Zitney 9431 Haven Ave. #201 Rancho Cucamonga CA, 91730 909-784-2471 |
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The newest FAQ from OnlineAutoInsurance.com answers the question, "Can a car insurance company deny my claim?"
Online PR News – 15-December-2010 –Having auto insurance coverage is important, both for satisfying state financial responsibility laws and for making sure that drivers will have the resources to pay for any damages that they are liable for. Because of a coverage provider’s role in helping policyholders shoulder the financial burden that can result from an accident, customers may become extremely frustrated when they find out after a crash that their claim has been denied by their insurer. To help keep this from happening, the writers at OnlineAutoInsurance.com have published a new FAQ about possible reasons for denials of claims.
To compile a list of all the reasons that could cause an insurer to deny a claim would be a tough feat; some companies will pay out on claims that others would deny, and differences in state insurance and tort laws also can determine the grounds on which a claim can legally be denied.
According to Georgia car insurance regulators, for instance, pizza delivery drivers would definitely want to check with their insurer before assuming that they are covered for any accidents occurring while out on a delivery. That’s because some insurers in the state may end up denying this type of claim because their personal auto coverage does not extend to instances in which the policyholder is transporting property for a fee.
Source: http://oci.ga.gov/ExternalResources/Documents/Consumer%20Services%20Documents/Automobile%20Guide.pdf
And in Virginia, there is a principle of law known as “contributory negligence,” under which an injured person found to have been at least partially at fault for an accident might not be able to recover from the other party involved.
In any event, most states require insurers to provide policyholders with an explanation of why a claim has been denied. If the policyholder has done their homework and still believes that the insurer has acted in the wrong, he or she may want to contact the state insurance department for guidance in the dispute.
To access the full FAQ and other information resource pages, readers can go to http://www.onlineautoinsurance.com/learn/ where visitors will also find a free-to-use quote-comparison generator that can help jumpstart the search for a quality policy.
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