How You Can Handle the Car Insurance Claim Rejections?

Car insurance safeguards you against damages and losses only when you are right at your end. In several cases, the insurance company can reject your claim for several reasons. Therefore, it is advised that the necessary steps should be taken while filing the claim to find financial assistance without any hassle. 

However, there could be several reasons for claim rejection which may include driving a car without a license, driving under the influence of alcohol or any toxic substance, if insurance policy is not in your name, delay in filing the claim, non-permitted use of the vehicle, non-permitted accessories and so on. So, now let us talk about how you can handle the car insurance claim rejections.

How to Avoid a Car Insurance Claim Rejection?

Here are a few pointers following which you can avoid a car insurance claim rejection:

• Click Pictures After the Accident
  

  Accidents bring traumatic experience for everybody but still to seek a claim, you need to maintain composure and must click some pictures after the mishap to collect evidence for insurance claims. Photographs are irrefutable evidence which lowers the chances of claim rejection.

• Intimate Your Insurer Immediately
  

  Insurance providers follow a process for the car insurance claim settlement. Insurers require to be informed within 24 hours - 48 hours about the accident, otherwise, they may not consider your claim application if you fail to raise a claim within a stipulated time frame. 
  

• Keep Documents Handy
  

  When it comes to car insurance claims, documents play a vital role in it. If you fail to present car documents, relevant receipts, and related papers while filing the claim, then your claim may be rejected by the insurance company.
  

• Filling the Claim Form
  

  Filling the claim form is the first and most important step of a car insurance claim. You should file this form with care as filling in incomplete information can result in the claim rejection.

• Declare All Modifications
  

  Many car owners add safety accessories to their cars or make modifications to enhance their appearance. But doing all these without notifying your insurer can make your claim rejected, in case the claim is made for the damages sustained by such accessories or modified items.

• Avoid Consequential Loss
  

  Many car owners tend to drive their damaged cars which aggravate the damages sustained by it. Such additional damage incurred by the car due to being driven in a damaged condition is called consequential damage. Such damages are covered by insurers and they deny it by terming it avoidable damage.

Conclusion

Policyholders can avoid getting their claims rejected by following the above-mentioned points. To ensure saving your claims, you should read the terms and conditions of your car insurance policy carefully, which acquires the important instructions to do and do not and adhere to which can help you avoid claim rejections.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.