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On Sunday, February 18, 2024 at 2 pm, the Orland Fire Protection District (OFPD) responded to a reported accident involving an auto that crashed into a business in the Walmart Shopping Center. The business struck was Sports Clips, 9239 S. 159 Street in Orland Hills. 

Denied Insurance Claims: Where Car Owners are Being Rejected, Expert Suggests Solutions 

Posted on December 20, 2024December 20, 2024 By Ray Hanania 1 Comment on Denied Insurance Claims: Where Car Owners are Being Rejected, Expert Suggests Solutions 
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Denied Insurance Claims: Where Car Owners are Being Rejected, Expert Suggests Solutions 

Insurance companies reject car owner claims: 5-15% of auto insurance claims are denied annually in the U.S.; California, Texas, and Florida lead the nation with the highest volume of denied claims; Common reasons for denial include insufficient or inaccurate information, policy lapses, and reporting delays; Experts offer actionable advice to help drivers avoid and address denied claims.

A recent study by accident attorneys Anidjar & Levine reveals that 5-15% of all auto insurance claims are rejected each year, leaving thousands of drivers struggling with unexpected financial burdens.

California leads the nation with an alarming 4,800 complaints, making it the state with the highest number of auto insurance claim denials. Drivers in California face a range of challenges, including delayed payments and contentious settlement disputes. These issues often leave car owners feeling frustrated and financially vulnerable as they struggle to secure the compensation they need and deserve.

Texas ranks second with 4,200 complaints. Common grievances in the Lone Star State include claim handling issues and low settlement offers, which can leave policyholders receiving less compensation than they anticipated.

On Sunday, February 18, 2024 at 2 pm, the Orland Fire Protection District (OFPD) responded to a reported accident involving an auto that crashed into a business in the Walmart Shopping Center. The business struck was Sports Clips, 9239 S. 159 Street in Orland Hills. 
car accidents

Florida ranks third, recording 3,800 complaints regarding claim denials. Fraud, uninsured motorists, and delayed settlements keep drivers from securing proper reimbursement after an accident.

Looking at the study, a spokesperson from The Law Firm of Anidjar & Levine, P.A. commented,

“The study identified several common reasons for these denials, including insufficient or inaccurate information, policy lapses, exclusions, late reporting of accidents, disputes over fault, and inadequate coverage. These issues can be avoided through careful attention to policy details, timely reporting, and thorough documentation.

Your auto insurance policy is designed to act as a safety net after an accident, providing financial protection and peace of mind in times of need. However, with the increasing number of denied claims in Florida, this safety net no longer seems to hold as securely as it should”.

Furthermore, the study did unravel some common trends around claim denials. Anidjar & Levine have provided an outline of these trends below to help consumers take proactive approaches when establishing auto insurance policies to avoid claim denials.

Common denial reasons:

Insufficient or inaccurate information: Provide accurate and complete information, including all relevant details about the accident and any damage.

Policy lapse due to non-payment: Ensure timely premium payments and consider setting up automatic payments to prevent policy lapses.

Policy exclusions: Review your policy’s exclusions (e.g., using your vehicle for ridesharing) and ensure you have the right coverage for all intended uses of your vehicle.

Failure to report the accident on time: Report any accident to your insurance provider as soon as possible, ideally within 24 hours, to avoid denial for late reporting.

Insufficient documentation: Gather and submit thorough documentation, including photos, police reports, witness statements, and repair estimates, to support your claim.

Fault disputes: Collect detailed evidence of the accident scene to establish a clear fault. A car accident lawyer can strengthen your claim.

Lack of necessary coverage: Review your policy for adequate coverage options, like collision or comprehensive, to ensure you’re protected in various accident scenarios.

Policy violation: Follow traffic laws and avoid driving under the influence, as claims may be denied if policy violations are involved in the accident.

Top 10 States with the Highest Auto Insurance Claim Denials and Reasons Behind Them

States

Complaints

Common Denial Reasons

California

4,800

Claim denials, delayed payments, settlement disputes

Texas

4,200

Claim handling issues, low settlement offers

Florida

3,800

Fraud, uninsured drivers, delayed settlements

New York

3,500

High premiums, processing delays

Illinois

2,600

High premiums, delayed processing

Pennsylvania

2,500

Delayed processing, unsatisfactory settlements

Georgia

2,200

Claim denials, coverage disputes

Michigan

2,100

High premiums, delayed claims

Ohio

2,000

Customer service issues, long processing times

North Carolina

1,800

Rate hikes, settlement disputes

Navigating the claims process after a denial can be confusing and cause uncertainty. Personal Injury Attorneys at The Law Offices of Anidjar & Levine, can help provide legal assistance that helps with understanding the process and ensuring your compensation meets your needs. 

For more information, visit:  www.anidjarlevine.com

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Ray Hanania
Ray Hanania
Ray Hanania is an award-winning columnist, author & former Chicago City Hall reporter (1977-1992). A veteran who served during the Vietnam War and the recipient of four SPJ Peter Lisagor Awards for column writing, Hanania writes weekly opinion columns on mainstream American & Chicagoland topics for the Southwest News-Herald, Des Plaines Valley News, the Regional News, The Reporter Newspapers, and Suburban Chicagoland.  

His award winning columns can be found at www.HANANIA.COM Subscribe FREE today

Hanania also writes about Middle East issues for the Arab News, and The Arab Daily News criticizing government policies in the Israeli-Palestinian conflict.

Hanania was named "Best Ethnic American Columnist" by the New America Media in November 2007, and is the 2009 recipient of the SPJ National Sigma Delta Chi Award for column writing.

Email Ray Hanania at [email protected].

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