Insurance Company Not Accepting Fault: 9 Things To Do

When you find yourself involved in an unfortunate incident that requires you to file an insurance claim, it can be frustrating to face a situation where the insurance company refuses to accept fault. Insurance policies are designed to provide financial protection and peace of mind, but there are instances where insurers may deny responsibility for a claim. In this article, we will explore the reasons behind insurance companies not accepting fault, what steps you can take when facing such a situation, and how to navigate through the complexities of dealing with insurance claim disputes.

Understanding Insurance Companies and Fault

Insurance companies play a crucial role in managing risks and providing coverage to policyholders. However, they operate based on the terms and conditions outlined in the insurance policy. Fault determination is an essential aspect of the claims process, as it determines who is responsible for the damages or losses incurred. Insurance companies typically conduct investigations to assess liability and determine fault based on the evidence provided.

Common Reasons for Insurance Companies Not Accepting Fault

Lack of Sufficient Evidence

One of the primary reasons insurance companies may refuse to accept fault is the lack of sufficient evidence supporting your claim. Insufficient documentation, missing witness statements, or unclear circumstances can weaken your case. It is vital to gather as much evidence as possible, such as photographs, videos, police reports, and witness testimonies, to strengthen your claim.


Policy Exclusions or Limitations

Insurance policies often have exclusions and limitations that define the scope of coverage. If your claim falls within these exclusions or limitations, the insurance company may deny fault. Reviewing your policy in detail and understanding its terms can help you determine whether the denial is valid or if you can challenge it.

Disputes Over Liability

In some cases, there may be disputes over liability between multiple parties involved in an incident. Insurance companies may reject fault until the liability is determined through legal proceedings or negotiations. It is crucial to cooperate with the investigation process and provide any relevant information that can help establish liability.

Denial of Coverage

Certain circumstances may lead to the denial of coverage altogether. If the incident falls under a policy exclusion, is deemed intentional, or violates the terms of the policy, the insurance company may refuse to accept fault. Understanding the specific coverage provisions and exclusions in your policy can help you determine the legitimacy of the denial.


Steps to Take When an Insurance Company Doesn’t Accept Fault

Dealing with an insurance company that doesn’t accept fault can be challenging, but there are steps you can take to protect your rights and pursue a fair resolution. Here are some actions you should consider:

1. Review Your Policy

Thoroughly review your insurance policy to understand the terms, coverage, and exclusions. This will help you evaluate whether the insurance company’s denial is valid or if there are grounds to challenge it.

2. Gather Evidence

Compile all relevant evidence supporting your claim. This can include photographs, videos, medical records, repair estimates, and any other documentation that strengthens your case. The more evidence you have, the better your chances of convincing the insurance company to reconsider their decision.


Consulting with an experienced insurance claims attorney can provide valuable guidance and representation throughout the process. They can help you understand your rights, negotiate with the insurance company, and pursue legal action if necessary.

4. File a Complaint

If you believe the insurance company’s denial is unjust, file a complaint with the appropriate regulatory authority. Provide all relevant details, evidence, and documentation to support your claim. The regulatory body will review your complaint and investigate the matter further.

5. Consider Mediation or Arbitration

Mediation or arbitration can be viable options to resolve insurance claim disputes without going to court. These alternative dispute resolution methods involve the assistance of a neutral third party who helps facilitate negotiations between you and the insurance company.


6. Dealing with Unfair Claim Denials

When faced with an unfair claim denial, you have several options to challenge the decision. Here are some steps you can take:

7. Request a Reconsideration

Contact the insurance company and request a reconsideration of their decision. Provide additional evidence or arguments that support your claim and address any concerns raised by the insurer. Be persistent and assertive in advocating for your rights.

8. File an Appeal

If the insurance company maintains their denial, you can file an official appeal. Follow the specific appeals process outlined by the insurance company, providing all necessary documentation and arguments to support your case. Be prepared for a potentially lengthy and complex process.


9. Engage in Negotiations

Engaging in negotiations with the insurance company can often lead to a mutually acceptable resolution. This can involve discussions with claims adjusters, supervisors, or legal representatives. Be prepared to present your case confidently and consider seeking legal representation to ensure a fair negotiation process.

The Importance of Documentation and Communication

Throughout the insurance claims process, documentation and effective communication play a vital role. Maintain a detailed record of all conversations, emails, and letters exchanged with the insurance company. Document the dates, times, names of individuals involved, and a summary of the discussions. Clear and concise communication will help you navigate through the complexities and maintain a strong position.

Understanding the Claims Process

Familiarize yourself with the claims process specific to your insurance policy. Each insurer may have different procedures and requirements for filing a claim, disputing a denial, or escalating a complaint. By understanding the process, you can ensure you meet all necessary deadlines and provide the required information.


The Role of Insurance Ombudsman

In certain jurisdictions, insurance ombudsmen act as independent authorities that help resolve disputes between policyholders and insurance companies. If you have exhausted all other avenues for resolving the dispute, you may consider approaching the insurance ombudsman for assistance.

Seek Alternative Insurance Options

If you encounter repeated difficulties with an insurance company not accepting fault, you may consider exploring alternative insurance options. Research and compare different insurers, their policies, and their reputation for fair claim handling. Switching to a different insurance company that prioritizes customer satisfaction and prompt claims processing may alleviate future frustrations.


Facing an insurance company that refuses to accept fault can be challenging and stressful. However, by understanding the reasons behind their denial, following the appropriate steps, and seeking legal advice when necessary, you can increase your chances of reaching a fair resolution. Remember the importance of strong evidence, effective communication, and persistence throughout the process to protect your rights and receive the coverage you deserve.



1. Can an insurance company deny fault without any explanation?

No, insurance companies are typically required to provide a valid explanation for denying fault. If you receive an unclear or unsatisfactory explanation, you have the right to request a more detailed explanation or escalate the matter.

2. How long does the insurance claims process usually take?


The duration of the claims process can vary depending on various factors such as the complexity of the claim, the availability of evidence, and the responsiveness of all parties involved. In general, simple claims can be resolved within a few weeks, while more complex cases may take several months.

3. What can I do if the insurance ombudsman’s decision is not in my favor?

If you disagree with the decision made by the insurance ombudsman, you may seek legal advice to explore further options. Consulting with an attorney who specializes in insurance law can help you understand your rights and determine the best course of action.


4. Are there any penalties for insurance companies that repeatedly deny valid claims?

Regulatory authorities monitor the activities of insurance companies, and if a pattern of unfair claim denials is identified, penalties may be imposed. These penalties can include fines, license suspensions, or other disciplinary actions.

5. Can I switch insurance companies during the claims process?


While it is possible to switch insurance companies during the claims process, it may complicate the resolution of your current claim. It is advisable to consult with an attorney or insurance professional to evaluate the potential impact of switching insurers and make an informed decision.

Leave a Reply

Your email address will not be published. Required fields are marked *

You May Also Like