You’ve been in an accident in West Palm Beach or another area of southern Florida. You are hesitant to call your insurance company because you’ve heard horror stories of people being denied coverage following a car crash. Is it true? Not exactly.
There are many reasons people may be denied car insurance, but they typically involve a bit more than being involved in a single vehicle collision. Here are some of the real reasons that people are denied coverage.
Providing false information when you are filling out your application is grounds for denial. Something as simple as mistyping your Social Security number isn’t going to land you in hot water, but something like “forgetting” to name your teenage driver will. Don’t be tempted to lie on your application for insurance coverage. If the agency finds out, they can deny you coverage. They can also yank your coverage if the lie is discovered later.
Is it more expensive to list every driver in your household? Typically. Not listing every driver is also enough for an insurance agency to tell you they won’t provide you with coverage. Your agency will want to know who has access to your vehicle. While it may or may not end your coverage, it could very well cause an insurance company to deny your claim.
When you fill out an application for car insurance, you will be asked to come clean about your driving record. You may be tempted to leave off that one traffic citation or that accident that occurred a couple of years ago, but don’t. The insurance company will pull your driving record and see them anyway. People who have a lengthy driving record are considered too risky for some insurance companies.
Like those who have multiple violations on their driving record, people who have been convicted of DUI are considered to be high risk. If you have been convicted of a single DUI, you may not have too much trouble finding at least one company who will insure you. If you have multiple DUIs, you will need to find an insurance company that specializes in high-risk drivers and be prepared to pay the high premiums.
We all know that one person who seems to wreck their car every time they pull out of their driveway. That person will have a very hard time finding a traditional insurance company that will give them a policy. If you are that person, you may want to enroll in and take a defensive driving course to show insurance companies you are serious about improving your driving skills.
We don’t have debtors prison in the United States, but companies can make it difficult for people who don’t pay their bills to have an easy life. If you frequently miss your payments, you are making it more difficult to find insurance. Your company could decide to drop you when it’s time for renewal or even before. If you are having trouble paying your premium, give your insurance company a call. Most will work with their customers who are experiencing a temporary hardship.
Being denied coverage is stressful. If it happens to you, you will want to look for non-traditional insurance companies who specialize in working with drivers with less than perfect backgrounds. Tell the company why you were denied and ask if they will work with you.
When you find an insurance company that will provide you with a policy after you’ve been denied by standard car insurance agencies, you can expect to pay higher premiums. You will find some traditional companies like State Farm, Farmers and Geico that provide high-risk policies. If one of these companies denies you, continue your search. There will be someone out there willing to take a chance on you.
Just like shopping for traditional insurance, you can compare quotes from several companies before you decide which policy is right for you. Yes, you are high-risk, but that doesn’t mean that you should be taken for a ride by an insurance company. If you find a lower price but want to stick with a certain company, tell that company what you have been offered. They might be willing to match prices you have been quoted by other companies. It really can pay to shop around.
If you have been involved in an accident in West Palm Beach or the surrounding area, you have rights. Reach out to our experienced team of auto accident attorneys for assistance. We will speak with you during a free case evaluation and help you decide which options to pursue. You may be entitled to compensation for any property damage or injuries that you have incurred. Call today to schedule your consultation.