Can insurance company deny the claim if there is a pre-existing bumper cover damage at a different location on the bumper cover?

Asked about 2 years ago - Olathe, KS

Some body hit my car while it is parked and the other party's insurance is paying for the damages. A small portion of front bumper cover is broken on the right side because of the accident. However, there is a pre-existing damage below the bumper cover at a different location. The pre-existing damage is just cosmetic and is not visible unless you bend over underneath the car. However, the new damage (also cosmetic) is clearly visible. The insurance company denied claim even for the repair for new damage citing the pre-existing damage. Are they not responsible for repairing the car to pre-accident condition? Can they deny claim for new damage completely because of a pre-existing damage at a different location?

Additional information

Insurance company is paying for repair of other damaged parts exlcuding bumper cover.

Attorney answers (2)

  1. Randy William Ferguson

    Contributor Level 19

    Answered . No. Talk to an attorney.

    The response given is not intended to create, nor does it create an ongoing duty to respond to questions. The... more
  2. Steve Eliot Sanderfer

    Contributor Level 14

    Answered . Insurance companies find any reason they can to deny coverage. If there was pre-existing damage to the bumper, yes, they can deny coverage. If they are wrong and still deny, get with an attorney

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