Does the fact my insurance company is investigating my claim mean they're going to deny it?

"I let my insurance lapse by 5 days and got into an accident 3 days after I reinstated it. I called to file a claim and they asked if I had filed a police report.

I didn't because I was the only vehicle involved after hydroplaning and hitting a median. Now they're investigating the claim. Will it be denied?"

Answer provided by
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Emily Maracle
Answered on Jul 27, 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.
“Your car insurance company is likely investigating the claim due to how close it was filed to your policy reinstatement. As you did have a lapse, they need to ensure you were actually covered when the accident happened.
While most people wouldn’t file a police report, your insurance company is looking for proof that the accident occurred when you said it did. Any other proof you can provide them will help get your claim approved.
Even a tow truck receipt would help solidify your case. If you spoke with a friend or they picked you up after the accident, a signed statement may help. If you took any pictures of the damage, a time stamp on the photo could also work in your favor.
If you aren’t able to provide any additional proof to the insurance company, you’ll need to wait until they finish their investigation.”
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