Auto insurance companies look for ways to deny coverage.  Denying coverage means that the insurance adjuster reviews the policy and the facts of the accident and concludes that the auto policy does not cover the personal injury or property damage claim that arose from the accident.  When a liability policy denies coverage it often means that their insured didn’t pay the required premium so the policy was cancelled at the time of the accident.  The next step is to look for uninsured motorist coverage since this coverage will cover personal injury and property damage claims when there is not liability coverage.  However, if there is no UM (uninsured motorist coverage), then there may not be any insurance to cover the claims.

Recently, I came across another example of a coverage loophole involving GEICO insurance company.  A GEICO adjuster denied coverage on a claim when their insured was injured in a car accident when a friend wrecked her car.  The insured party gave their friend permission to drive the car.  Unfortunately the friend wrecked the car and the insured party (the car owner) was hurt.  GEICO denied coverage stating that the liability policy for their insured excludes liability claims from their insured.  GEICO also denied uninsured motorist coverage stating that their insured’s car was not “an uninsured vehicle” as defined by their policy.  These coverage loopholes show that there can be a high risk to allowing a friend drive your car if that friend does not have their own automobile insurance.

If you would like to discuss your auto accident claim with attorney Richard Griffin of the Griffin Law Firm, then call us at 877-PAIN-LAW (877-724-6529).  You can also submit your car accident claim to us to find out what your case may be worth through:   [Personal Injury Settlement Calculator]