Insurance companies stay in business by ensuring the premium payments they collect exceed the amount they pay out in claims. Insurance adjusters are incentivized to deny claims as much as possible. They think that many people will not challenge a denial, so they look for any reason to deny the claim.
Some of the reasons often given for a claim denial include:
Crash was preventable/Victim is at fault
Policy lapsed
Crash was not reported in a timely fashion
Delay in medical treatment
Damages exceed policy limits
Driver is not listed on the policy
At-fault driver is uninsured
It is important to note insurance adjusters often deny claims in bad faith. They may cite one of the reasons listed above or another reason for denying your claim. However, they may not have solid evidence to back up their decision, which means your claim may have been wrongly denied. If you and your attorney can provide more evidence, you may be able to overturn a denial.