When you get into a car accident-whether said accident totals your car or simply bends your fender-your insurance company will make the final decisions in regards to claims. Be sure to pay your premiums in full and on time to remain in good standing with your insurance company. Claims are frequently denied due to premium non-payment.
Insurance companies share driver's information with other companies. If you have an accident and attempt to find cheaper insurance before your claim is settled and your premium is raised, you will likely be denied no matter where you look.
Insurers deny claims due to lapsed payments. If you do bust a headlight or break a window, be sure to think twice before you file a claim. It is incumbent upon the insurance company to justify claim denials. And a denial may be just what's in store if you're delinquent on your payments.