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Cleveland Auto InsuranceJust because you have an accident, doesn't mean that your insurance provider will pay out. Insurance companies offer you protection with the premise that you will obey traffic law and keep your car safe from theft and damage. However, violating their terms, practicing unsafe driving habits, or being careless with your car’s safety can cause your insurance company to refuse payment after a car accident. 

Here are 10 additional reasons of why a car insurance company could refuse to cover your claim.

Too many accidents

Car insurance is meant to cover you in case of an accident; however, insurance companies assume that you will practice good driving skills to avoid these accidents. If you are found at fault for several accidents, your insurance company may revoke your insurance, raise your premium or refuse to pay the claim on future accidents that you are found at fault for.

DUI convictions

If you are found at fault for an accident in which alcohol played a role, don't be surprised if your insurance company refuses to pay out your claim. Insurance companies agree to cover you for practicing responsible driving habits; however driving under the influence is an irresponsible driving habit so your insurance company may flat out refuse to play the claim.

Lapse in payment

If you don't pay on time you will lose the right to use your insurance, so you may be driving without coverage. In most cases, insurance companies don't mind extending a payment date every once in awhile; however if this becomes a habit they will refuse to accept late payment and cancel your coverage.

Too many claims

Having multiple convictions such as running red lights, running stop signs, speeding or moving violations may cause your insurance company to cancel your insurance.

Car registration not renewed

Your car insurance is only active if your car is legally registered and if you are legally licensed. If either of these are revoked or not renewed, you will not be covered by your auto insurance.

Broken policy agreement

Review the terms of your insurance policy. It is important to understand not only what the insurance company can do for you, but what they expect of you. If you break any of these terms, they may refuse to pay out any claims after an accident.

Unregistered driver at fault

If a person not listed as a driver on your insurance has an accident, you may not be covered for it. Depending on what type of policy you have.

Driving without a license

Driving without a license is against the law. Insurance companies frown upon drivers who consistently break the law. If you are caught driving without a license more than once and are given citations, your insurance company may refuse to pay out the claim.

Having inadequate cover

When applying for insurance you may be tempted to go with the cheapest policy you can find, this includes the cheapest cover; and the cover is usually limited. If you get into an accident and find out that you are not covered for the type of accident you had, it will be too late upgrade your policy. You simply will not have your claim paid out by your insurance company.

Making the claim too late

When you have an accident, you are instructed to immediately call the police and your insurance company. Failing to call your insurance company in a timely manner may result in your claim not being paid out.

If you need additional information about Cleveland Auto Insurance and about filing an insurance claim, give Summit Insurance Agency a call at 330-655-0655.

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