Can Car Insurance Company Refuse To Pay My Claim? 
Yes they can but the key to this question is Why did they deny the claim . Example . If you had liability only and you got into an accident they will not cover damage to your car since it was Liability only . But they would cover the damage done to someone else . Each carrier has strict guidelines on what they will or will not cover . Now intentional acts to damage the auto they most certain will not cover . Also Are you trying to repair your car or looking for medial bills to be paid . That is a entire different scenario If you have the coverage for medical pay and you got hurt then they should pay for the billing . If you are ever not happy with claims or with your agent or carrier you have legal recourse All states have what is call State insurance commissioners office who is in charge of what carriers are allowed in your state along with I other things . They are there for you . If you are not getting the answers you want . Call your states insurance commissioner and they will contact the carrier and help you with this . Not to mention there is no cost for them to look into this for you . I have seen with some carriers they will deny the claim clean up until you are headed to the courts then they want to settle . I choose not to write with the carriers that I know who have been doing this for years . I recommend calling your agent then the commissioners office . 