Car insurance claim will be rejected in such a situation, are you also making these mistakes?
When you buy a car, obviously you also get it insured. For this you pay premium. In India, motor insurance is essential to ensure the safety of everyone on the road and protect against financial loss. Motor insurance (car insurance) protects you from the financial risks of uncertain situations that may arise while you are driving on the road or even when your car is parked. If any untoward incident occurs, a claim is sought from the insurance company. But many times this claim also gets rejected. This happens only when you make mistakes by ignoring the terms and conditions of the insurance policy. Come, let us know here what are the big mistakes you make due to which the company does not accept your claim.
driving without a valid license
It is necessary to have a valid license to drive, so insurance companies will not accept claims from drivers without a license. Driving without a valid license is a punishable offense and can lead to outright rejection of your car insurance claim. According to ICICI Lombard, in the event of an accident, if you are found without a proper driving license, you will not even be able to make a claim with your insurance provider. Not only will you be deprived of a motor insurance claim, but you can also be fined a minimum of ₹5,000.
Delay in claiming is also the reason
There is usually a deadline to notify your insurer about the accident and any damages. It is a good idea to inform the car insurance service provider as soon as possible when filing a claim. Delay in reporting the accident makes the car insurance claim settlement process more complicated and often leads to 100% claim rejection.
unpaid premiums
If you do not pay your premium on time, your policy may lapse, and your claim may be denied. It is wise to pay your premium on time. Additionally, if your car gets damaged due to your negligence, your claim may be denied. Providing incorrect or incomplete car information may result in claim rejection.
drunk driving
Drunk driving can get you into trouble as it is not only a reason for a car insurance claim to be rejected but is also a prosecutable offence. Be it alcohol or banned/controlled substances, any sign of their consumption while driving leads to instant rejection of your motor insurance claim. In addition to having your claim rejected, you may also face a number of legal hassles that could lead to fines, jail time, or both.
Getting repairs done without information will be expensive
Any repairs done to the car without informing the insurance company will not be covered under your motor insurance policy. In case of an accident, you are required to inform the insurance provider about all the damages for the claim to be accepted. In such a situation, a designated inspection officer takes stock of the damage and only then the repair and claim process starts.
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