Can I file another claim if a previous claim was denied?

"I filed a glass claim, but my insurance denied it as the damage occurred before I had coverage. I just got another crack in my windshield and need to get it fixed. I'm afraid that I'm filing claims too close together. Will this one be approved?"

Answer
“When you file a claim with an insurance company and you choose to close it or they deny it, the claim is closed.
When you file a new claim, you won’t be penalized for the previous, claim as it was closed without payment. If you were ever to switch insurance carriers, it would likely show up as closed without payment or it wouldn’t be reported at all.
Since you did just file another glass claim that was denied, you’ll likely need to provide proof that this is a different claim. This may be difficult as part of the damage was already existing. You should reach out to your insurance carrier again and provide proof.
You can show them the two cracks and indicate which is new and which is older. While they may not agree to cover the full replacement, you may be able to negotiate some type of coverage.”
Emily Maracle
Answered on Jul 28, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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