Few things can stop you in your tracks faster than an automobile accident. Both to ensure that you have the financial resources to recover completely and to comply with Texas law, you have car insurance. Receiving payment after an accident, though, may not be as straightforward as you think. 

If you or someone you love has been in an automobile collision, you need the insurer to quickly pay your claim. After all, recovering from a serious injury can be unbelievably expensive. Regrettably, insurance companies deny auto insurance claims all the time. Here are four common reasons for these denials:

1. Avoidance

An automobile insurer may deny an accident claim if an adjuster or someone else determines that you could have avoided the accident. Said differently, your insurer may not pay if you potentially did something to contribute to the collision. For example, you may have driven drunk or lent your vehicle to an irresponsible driver.

2. Misinformation

Most insurance providers expect you to be truthful when applying for coverage. If you provide material misrepresentations, such as an incorrect address, your insurer may refuse to pay your claim. This is particularly true if the provider determines that you gave misinformation for fraudulent reasons.

3. Exclusions

With the modern economy, you may use your private vehicle to transport passengers, deliver food or haul scooters. Doing so may result in a denial of your accident claim if your policy excludes commercial activities.

4. Nonpayment

With work, family, social and other obligations, you may simply forget to pay your insurance premiums. If you do, you may receive a denial of your accident claim. Furthermore, missing insurance payments may affect both future premiums and your creditworthiness. 

If you have been in an automobile accident, you expect your insurance company to pay your claim promptly. Nevertheless, insurance companies routinely deny claims for a variety of reasons. By understanding what may result in a denial in your case, you can better advocate for your legal and financial interests.