PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Why would my mom's auto insurance not want to cover an uninsured motorist claim?
"My mom was in an accident with an uninsured driver. She wasn't at fault and we took her car to a repair shop after the accident.
Now the repair shop is asking for the repair costs and her insurance doesn't seem to want to pay out. Is there anything we can do?"
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Since the accident was with an uninsured driver, the first thing you’ll need to do is confirm that your mother’s policy included
uninsured/underinsured motorist coverage
. While it is required in many states, it is optional in others. If she didn’t have this coverage during the accident, the insurance company typically won’t pay for any damages.
The insurance company may also need to verify that the other driver is actually uninsured. Drivers often claim to be uninsured to avoid having to submit a claim through their own insurance.
Furthermore, insurance companies follow specific processes when dealing with claims. If you took the vehicle to a repair shop immediately without the insurer’s approval, this could be another reason why they aren’t willing to pay for the claim.
You’ll want to reach out to your mom’s insurance company to ask why they aren’t approving the claim and if there is anything you can do to assist with the process.
“
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies