Can insurance company deny a claim?

Posted: Thu Oct 30, 2008 06:56 pm Post Subject: insurance

Isure HAD proof..............half of my bumper was STILL embedded in the guardrail!!LOL The insurance company DID tell me if I was driving intoxicated, my 'claim' wouldn't be paid for.

Posted: Thu Oct 30, 2008 07:04 pm Post Subject:

The insurance company DID tell me if I was driving intoxicated, my 'claim' wouldn't be paid for.

Posted: Thu Oct 30, 2008 07:08 pm Post Subject:

Wow..no kidding? Not covered it if DUI?

Posted: Thu Oct 30, 2008 10:29 pm Post Subject:

I bet those gaurdrails are pretty expensive. Just imagine how many guiderails get hit per year. if they didn't get reimbursed from is. compamies thet would probaly never have the funds for road repair or snow removal.

Posted: Sat Nov 01, 2008 03:14 am Post Subject: insurance

No, LORI, I din't sign anything that states that. However......it was the Claims 'part' of the nationwide office, that told me that. Could they have NOT told me that, if nothing was signed?..just curious. Also...I WAS wearing a seat belt.

Posted: Sat Nov 01, 2008 11:06 am Post Subject:

I don't know maybe that's how nationwides policys read, I've never seen one that way though...there was a company about 15 years ago I remember that would reduce your premium if you signed an agreement that any accident that was alchol related would not have coverage (i'm assuming coll/comp only but don't know that)...I've just never seen nor heard of a policy that said they would deny accidents that involved drinking...surely they don't mean to the guard rail (liability) as well? :?

Posted: Wed May 13, 2009 04:08 pm Post Subject: Very concerned

I too have progressive and I called to ask for an extension to pay my premium for 2 days. Heres where it got sticky. My wife had her first accident, very minor, that day in between and I called the following morning to pay the past due and to rescind cancellation as promised of my policy. I'm scared because they called and said they believe they have a statement of no loss from my wife...she never spoke to them...I did. however can they just claim to have to so they don't have to pay the other party for his damages? We never ever claimed no loss or even suggested it and told the very same representative on the phone that we needed the claims department and she knew we had a claim and even gave instructions on what to do. My understanding is they reactivated the policy as if no lapse occured as they promised and being we never made even a suggestion of no loss how can they say we did and what can I do if they attempt to play that card?

Posted: Wed May 13, 2009 06:43 pm Post Subject:

Hi there,
I wouldn't worry about having any claim denied that is legit. A company does have a right to deny a claim if suspicious activity has happened. They would be allowed to investigate the situation to make sure they don't get scammed. However, if you are following the rules and are not trying to scam the insurance company, then you have nothing to worry about. I have heard of customers having damage to there vehicle and they buy a policy and file a claim to that pre-existing damage. This is fraud and the insurance company has the right to deny the claim if they can prove otherwise. It wouldn't be fair for an insurance company to have to pay for that damage anyway.

Posted: Wed May 13, 2009 11:43 pm Post Subject:

My understanding is they reactivated the policy as if no lapse occured as they promised and being we never made even a suggestion of no loss how can they say we did and what can I do if they attempt to play that card?

Posted: Thu May 14, 2009 08:30 am Post Subject:

Frustrated said:

I too have progressive and I called to ask for an extension to pay my premium for 2 days.