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It's going to depend on what insurance company is denying your claim. If it is a different insurance company, that claim can be denied for reasons such as the other party either does not have insurance, their insurance may have lapsed, or there's some type of an allegation of a fraudulent claim. If it's your own insurance company that's denying your claim. It could be for the very same reason such as non payment a lapse or potential fraudulent claim. If insurance denies your claim, you should contact an attorney immediately.