Don’t Accept “No Coverage” as an Answer After a Car Accident
If an insurance adjuster tells you there’s “no coverage” after your accident, don’t just accept it. This phrase is often misleading, and accepting it could cost you money you’re legally entitled to.
Why “No Coverage” Isn’t Always True
Insurance companies sometimes say “there’s no coverage” for several reasons—but it doesn’t necessarily mean your claim is invalid:
They don’t believe their client was at fault
Fault is a legal determination, not an insurance adjuster’s opinion. Even if the insurer says their client wasn’t at fault, you still may have a valid claim that a jury could decide.
The insured isn’t cooperating
If the policyholder doesn’t respond to the insurer, the company may claim “no coverage” under a non-cooperation provision. But if the insured later cooperates, coverage can be reinstated.
Policy exclusions or lapses
Legitimate reasons for “no coverage” include:
The driver was explicitly excluded from the policy.
The insurance policy had lapsed or wasn’t active at the time of the accident.
What to Do if You Hear “No Coverage”
Ask why in writing.
The insurer is required to explain their reasoning.
Explore other coverage options.
Check for uninsured or underinsured motorist coverage on your policy.
Consult an attorney.
An experienced personal injury lawyer can help challenge wrongful denials, identify alternate sources of coverage, and pursue compensation from the driver’s personal assets if necessary.
Bottom Line
A blanket statement of “no coverage” is not the final answer. Don’t accept it at face value—investigate the reason, explore all possible coverage options, and get legal guidance to protect your claim.
