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My Company Won’t Pay My Car Insurance Claim

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 08/04/2018

Q: My insurance company won’t pay my car insurance claim because I forgot to pay my bill. Isn’t there a grace period?

A: Usually not.

When it comes to claims, insurance companies already don’t want to pay out car insurance claims, so don’t give them a reason to not have to pay on your claims by letting your insurance policy lapse for non-payment.

Yes, there are some companies that offer a 5-day grace period after your cancellation date, but this is company to company and is never guaranteed. So, just pay your bill.

If your policy does cancel for non-payment, you can sure as well bet you are going to be denied payment for your car insurance claim, regardless of how long you have been with your insurance company and how much in premiums you have paid them.


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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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