The Most Common Reasons Insurance Claims Get Rejected | GVE London – Blog

Dealing with an accident is stressful enough, but alas, the stressors don’t really go away instantly after it either. First, of course, after ensuring everyone is safe and fine, one must now deal with the legalities of the matter. This includes, in case one wasn’t at fault, a non-fault accident claim. One might assume they did everything right, but they may still be landed a letter of rejection. Like we stated, it can be frustrating.

So, in this blog post, we’ll try to break down in plain English the reasons why insurers say no and what you can actually do about it.

Incomplete or Incorrect Information

One of the most common issues—and one might assume “it is too obvious to mess up,” but it happens more often than you’d think—is simply messing up a certain piece of information. Insurance providers don’t tolerate errors in documentation; everything needs to be spot on. Even a small mistake can result in the entire claim being dismissed.

This could be something as basic as getting the date or time wrong or perhaps the inability to explain properly how the accident occurred. Insurers rely heavily upon documentation, so if your version is unclear or clashes with someone’s report, for them, it is a red flag. Remember, without documentation and evidence, they can’t really know who’s at fault.

So double-check everything. If you’re unsure how to claim a  non-fault accident properly, talk to someone who knows the process well. A reliable luxury car repair centre or supercar bodyshop like GVE London can help with the paperwork too.

Delay in Reporting The Accident

An accident should be reported ASAP because many insurers have strict timelines, ranging from 24 hours to a few days. As a general rule of thumb, assume it’s 24 hours and report the accident once you’ve ensured everybody involved is safe.

If you weren’t the one at fault and you report late, they might be given a reason to doubt your claims. Furthermore, the more delay there is, the weaker the evidence gets as it disappears. For example, road conditions might change, witnesses might scatter and forget—things happen.

Even if you don’t have all the details yet, notify your insurer immediately. Let them know you’re making a non-fault claim and that more info will follow. This keeps you on the right side of their deadlines.

Read Also: Will a Non-fault Accident Affect My Insurance?

The Other Driver Disputes Fault

This one may sting, but imagine a situation wherein you’ve been involved in an accident with no fault of your own. Do you believe the other party will just accept their fault? That’s a blue moon situation. Mostly, they defend themselves and tell their insurer a different story, and that’s when things start to get murky—and fast. Insurance companies don’t like taking risks without evidence, so this leads to an investigation which causes delays, and having no police reports or witness only results in a “my word against yours” situation.

Without strong proof, the claim might be rejected or end up “knock for knock,” where both insurers pay out their own side. That’s why documentation is gold. Photos, dashcam footage, and witness details can tip the balance. If your vehicle is being repaired at a specialist garage or a supercar bodyshop, they can sometimes help by providing vehicle damage reports that align with how you say the crash happened.

Excluded Circumstances or Breach of Policy

Not everything is covered in a non-fault accident claim, such as driving under the influence, letting an uninsured person drive your car, or using the car for something outside your policy. So, always read the policy—and not just when you buy it, but every time you renew it.

Fraudulent or Exaggerated Claims

You don’t want to exaggerate the claim, as those get flagged quite fast. If they catch you slacking in that regard, they’ll deny the claim—and not merely the exaggerated part. So, be honest and stick to what actually happened. Don’t make assumptions about the estimates.

Final Thoughts

If you’re unsure how to claim non-fault accident the right way, don’t do it alone. Use a luxury car repair centre or supercar bodyshop that knows the process; enter GVE London. It’s not just about fixing your car—it’s about making sure your claim doesn’t fall apart before it even begins. Our team will handle everything from the claims to repairs, so you can focus on getting past this stressful incident and get back on the road, with your car back to its original condition, ASAP! Furthermore, being enthusiasts, we not only perform the usual repairs and service but can work on customisation, modifications and detailing as well. To know more, hop on a call with us today!