Every car accident is a nerve-racking experience. This is particularly true when a wreck causes injuries.
In addition to the initial shock and pain, victims often face exorbitant health-care bills, and some cannot return to work. These financial losses can be staggering, which is why drivers in the state of Mississippi must carry auto insurance that meets the legal limits.
Unfortunately, insurance companies are notorious for denying and undervaluing claims. This may happen if you:
- Have limited coverage;
- Did not pay your premium on time;
- Failed to notify the insurance company of pertinent changes;
- Allowed someone who is not covered to drive your car; or
- Let your driver’s license expire.
Although there are valid reasons for insurers to deny claims, crash victims are often forced to pay for losses that should have been covered by their insurance policies. If your insurance company refuses to step up to the plate and cover your damages, contact Morris Bart, LTD.
A Gulfport auto accident lawyer will evaluate your case and explain your legal options. Call 800-537-8185 to schedule a free initial consultation.
Let’s take a closer look at five reasons why an insurance claim may be denied:
- Having Limited Coverage
Not all insurance plans are equal. If you only carry liability insurance, you will not be covered for losses resulting from theft or damage to your own vehicle. The Mississippi Insurance Department reminds drivers to review their policies carefully before purchasing insurance.
- Not Paying Your Premium on Time
You may be tempted to skip an insurance premium if you’re facing tough financial times. However, insurance companies will cancel your coverage if they do not receive their premiums after a certain date.
Even if you do not get into an accident, missing premium payments could cause legal problems. Mississippi laws require that drivers maintain liability insurance at all times.
- Failing to Notify Your Insurance Company of Pertinent Changes
Certain, seemingly small, changes could nullify your coverage. Be sure to let your insurer know if a new family member — such as your teenage child — starts driving your car. Your plan may not cover him or her if he or she gets into a crash.
According to Insure.com, you should also inform your provider about a new car purchase because it may affect your policy. Insurance companies usually offer a grace period of a few weeks, but if you wait too long, then you may not be covered in the event of an accident.
- Allowing Someone Who Is Not Covered to Drive Your Car
It may be generous of you to lend your car to friends and family. However, depending on the terms of your insurance plan, an insurer may refuse to pay a claim if someone who is not on your plan gets into an accident. Rather, be safe and check the terms and conditions of your policy before letting someone else drive your car.
- Letting Your Driver’s License Expire
If your license expires and you forget to renew it, you will not be covered if you get into a wreck.
Although there are valid reasons for insurance providers to deny claims, profit-minded insurers often deny or undervalue claims without justification. If your claim was denied, contact a Gulfport accident attorney from Morris Bart, LTD. Call 800-537-8185 to schedule a free consultation.