Not every car insurance claim receives approval. Common reasons for claim denial include: The claim amount is above the coverage limit. The coverage limit has already been met. The policyholder did not buy the necessary coverage. Without purchase of collision or comprehensive coverage, a car accident insurance claim for car repairs would be denied. The insurance company can also deny a claim if the driver was intoxicated at the time of the accident. The same holds true if the driver lacks a license. The policy might state that drivers must report all accidents to the police. If a driver doesn’t report the accident, the insurer may deny the claim. If the driver or another occupant of the vehicle alleges they were injured but never sought medical attention after the crash, a denial is likely. When a claim is rejected, you’ll have to pay any damages to the other driver out of your pocket. You can file a claims denial complaint with your state’s Department of Insurance.