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Can car insurance just say no?

In most states, car insurance is a requirement, and while it is designed to cover you in case of a car accident, insurance companies carve out exemptions to coverage.

Of course, just because a car insurance company denies your claim does not mean you need to take that no as law. It just means you will need to contact a Texas lawyer.

Car events and entertainment

One way that insurance companies claim that you voided your own insurance is through an unapproved use. This includes racing, stunt driving or using your vehicle for entertainment purposes (i.e., car enthusiasts’ events, etc.).

This means that, even if you just take your car to a car show, park it and an accident or damage occurs at some point, your insurance company may try to invalidate your insurance.

Business purposes

Another unapproved use is using your vehicle for a business or commercial purpose. If you do this, and then your vehicle is involved in a car accident, your insurance policy may deny coverage.

This scenario could involve workers’ compensation claims and other employee injuries. It could also involve gig work, as when drivers use their cars to drive for Uber, Lyft or another ride-sharing service.


Since 2020, there has been an explosion in converting vans, trucks and cars into dwellings. The trend gained popularity on social media with people using the hashtag “#vanlife.”

However, while downsizing and returning to nature may save you money and refresh your soul, your insurance company may use it as a reason to deny your auto accident claim. This is because, they may claim, your vehicle is now a dwelling, which requires recreational vehicle insurance (or something similar).


Sometimes the reason for a denial is due to something completely beyond your control. Many insurance companies exclude damage caused by floods, hurricanes, tornadoes and other natural disasters. Plus, some damage could be blamed on “normal aging.” For example, if your engine is blown and parked, but then is hit by another driver, an insurance company may claim that the engine is not covered because it was already blown.

Of course, these are only a few of the excuses insurance companies use to deny claims. If you experience these excuses, you may need the help of an attorney.