Blog Post

WHEN YOUR INSURANCE COMPANIES REFUSES TO PAY: COMMON ERRORS AND EXCLUSIONS

Bruce Brown • Apr 21, 2021

You have insurance, but for some reason your insurance company is refusing to pay up. Here are three common reasons why this happens.

One is you're doing something illegal. In some policies, if you are driving intoxicated or driving without a license, your policy will not cover you, even if you've paid for your insurance.

The next most common reason is that your policy has exclusions on it. There are a number of types of exclusions. For example:

Some homeowners insurance will exclude certain dogs, like pit bulls or Rottweilers. If you have an exclusion on your policy, and you have one of those type of animals, and they bite someone, your policy is not going to cover.

Also your automobile policy might have a particular individual - maybe there's someone in your family with a bad driving record - and they've excluded Uncle Harry. Well, if Uncle Harry's driving your car and causes an accident, your insurance is not going to cover it.

Also, a lot of policies exclude if you are driving for commercial reasons. So if you're picking up a little bit of money by driving for Uber or Lyft or Grubhub, you may need to get a rider on your policy, because you might be driving around without insurance.

The third most common reason why insurance doesn't cover is you've submitted your claim wrong, and this is oftentimes where an attorney can help you, because you may have submitted the claim, but it's not submitted timely, it's not submitted in proper form, or it's coded wrong by your doctors. These are the things that insurance companies love to use to decline your claim, but they don't explain how you fix it.

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