7 ways to keep your car insurer from denying your claim
You car insurance may not cover everything you think it does. This can cause big problems if you have an accident.
A few minutes spent reviewing your policy now can prevent an ugly surprise after a crash.
1. List every regular driver
Tell the insurer about everyone in the household who drives the car, including teenagers, adult children, spouses, partners and roommates.
2. Check for excluded drivers
Some policies specifically exclude certain people from coverage. Make sure you know who is excluded — and don't let an excluded driver use the vehicle.
3. Report household changes
Someone moving in, moving out or getting a driver's license can affect coverage. Don't wait until renewal time to tell the insurer.
4. Disclose how the car is really used
Rideshare, delivery work, business use or a long daily commute may require different coverage. A claim can become complicated if the insurer says the vehicle was being used differently from what was disclosed.
5. Don't rely on “insurance follows the car”
Coverage for someone who borrows your vehicle depends on the policy and state law. Ask your insurer directly who is covered when another person drives.
6. Get important answers in writing
If an agent says a spouse, child or occasional driver is covered, save the email or other written confirmation. Verbal assurances can be difficult to prove later.
7. If a claim is denied, demand the exact reason
Ask the insurer to identify the specific policy language supporting the denial. Request an internal review if necessary, and consider filing a complaint with your state insurance department.
James R. Hood
One question worth asking at every renewal
“If every person in my household drove this car today and caused an accident, who would not be covered?”
The answer may be more useful than the premium quote.
