Taking motor insurance for the vehicle is not enough. Many a times, even after making full payment for the policy, your claim may get rejected due to small mistake.
Reasons for rejection of motor insurance claim
Image Credit source: NewsNCR
Devdutt’s car, who lives in Bhubaneswar, was badly damaged in the accident, luckily Devdutt, who was driving the car, was not hurt much, the car was almost destroyed but his life was saved. Devdutt was not worried about the car as he could insure the car in time.motor insurance) had been renewed. But the insurance company claimed Devdutt (Claim) was rejected. The reason was that Devdutt had renewed the insurance but the driving license (Driving License The one which expired a few days before the accident, forgot to renew it. Like Devdutt, due to many negligence and other irregularities, your claim can also get rejected. So for the claim not to be rejected, we have to take care of many things.
1) Don’t forget to renew the policy on time
For the policy to remain covered, it is necessary to renew the motor insurance policy on time. Missing premium even once can affect your entire claim process. Because if there is any damage during that period, then it will not be covered in the policy.
2) Driving under the influence of alcohol will be heavy
Driving without a valid driving license or under the influence of alcohol is one of the most common reasons for rejection of a claim in motor insurance. If you are driving under the influence of alcohol and have an accident, the vehicle is damaged, then the insurance company is not legally bound to meet your damage claim.
3) Have to loose your pocket for normal damage
The wear and tear of the vehicle over time, wear of paint and wear of the tire are considered as normal vehicle damage and hence if you claim for these things while filing the insurance claim of the vehicle, it will get rejected.
4) Avoid giving false information
The policyholder should give all the information related to the vehicle accurately while purchasing the policy. You should also give correct information related to the use of the vehicle. For example, if you are using the vehicle for some business and you have hidden this information, then its insurance claim will definitely get rejected.
5) Do not delay in reporting the accident
Insurance companies give you a window of 48 hours to file a claim after an accident. If you take long delay in registering the claim then your claim may get rejected. Apart from this, your claim can be rejected even if you do not give the necessary documents to the insurance company within the stipulated time frame.
Money9’s advice
It is important to know and understand those things in order to fool-proof a motor insurance claim. The claim can be rejected on the basis of these. From giving wrong information to giving information on time, if you take care of all the things, then you will not have to face problems for the claim. The amount of money that has been spent in buying the policy, will get the right benefit when the time comes.
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