Your car accident was not pretty, and when you had to deal with the insurance company it didn’t get any better. The worst part is that the insurance company denied your claim! Why you might ask? There’s a number of reasons that you and many others have run into this exact problem. Your insurance agent should've been doing their job when you first purchased the policy, and have shared the following....

You Misrepresented Your Information

If any information that you give the insurance company when you buy the policy is falsified, then you’re out of luck due to misrepresentation. Any question that they ask you and you answer incorrectly can ruin your claim, which puts you in the category of “fraud”. This can be something as little as them asking if you went to college and you answering incorrectly. This sounds crazy, but that’s the way it works!

Be careful, some of these questions can be tricky, like if they ask if you’ve seen a doctor in the past 2 years. Even if your last doctor visit was a physical for your job and it was in the last two years that counts as “a doctor visit”. Don’t let this ruin your chance of reimbursement when you deserve it!

Now that you know how sneaky the insurance companies can be with some seemingly “simple” questions, let’s talk about the Duties of the insured. These require you to do a number of things that are outlined in that big thick insurance policy you were handed at first:

You Didn't Report Your Injuries Immediatley

If you have been in an accident, your first call should be to your doctor. Some injuries don't become apparent until hours, even days, after the accident. The best option is to see a doctor immediatley after an accident if you have injury symptoms. If you don't have symptoms, make an appointment for the next day and have yourself checked out. Your physical health and wellbeing should be your primary concern, and let that guide your actions after a car accident.

You Didn't Prevent Further Damage

Insurance typically covers the damage from the accident, but it won't cover additional damage from carelessness. For example, if a tree falls on your home and damages your roof, you are responsible for protecting your home from further damage. If you do nothing and it rains, causing more damage, the insurance company will not cover the extra damage.

You Haven't Reviewed Your Insurance Policy

One type of coverage that all Virginia drivers need is Uninsured / Underinsured Motorist coverage. In Virginia it is perfectly legal to drive without insurance. All someone needs to drive without insurance is fill out a form at the DMV and pay the fee. The fee you pay does not buy you coverage, it buys you the right to drive without insurance. Uninsured Motorist Coverage will help cover the costs after an accident caused by an uninsured driver.

These are the main pieces to building a solid and supported insurance policy with all of the necessary coverage components. Before you make any decision on buying insurance, take some time to meet with the top independent agents in your area. This will get you started and on a path to full protection with your coverage.

The best board certified Virginia personal injury attorney will be able to help you if you have been in a car accident, or if you have any questions about your insurance policy as well. You can ask Ben Glass a question at

Ben Glass
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Ben Glass is a nationally recognized Virginia injury, medical malpractice, and long-term disability attorney