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Is there a way to appeal a denial from a car insurance company?

Can I fight my insurance company over a claim they denied? I was in an accident last week. I’ve had my policy for a car, but I started working for Uber Eats last month. I’ve always paid on time. How can they say I am not covered?

avatar
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“I am sorry to hear about your accident, you can always submit an appeal letter to your insurer when you feel they are wrong.
Unfortunately, in this situation, the appeal is likely to get denied due to misrepresentation. Most insurance companies do not allow cars to be used for delivery services.
Insurance companies that allow this service require a special endorsement added to the
car insurance
policy.
Anytime a customer starts using their car differently, an insurance provider needs to be notified ahead of time.
Take a look at the exclusions page in your policy documents. It’s very likely that your policy excludes delivery services.
If your appeal request is denied, ask your insurance carrier if you can add the endorsement to your policy moving forward.
If they say no or cancel your policy, you’ll need to find a
new insurance
company.
Downloading the free
Jerry
app can help! Jerry can provide you with competitive quotes from over 50 insurance companies in under a minute. The best part? They are partnered with companies that insure driving for app-based delivery services.”
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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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