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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?"
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.”
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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