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Mistakes Leading To Car Insurance Claim Rejection

Published On Oct 26, 2020, Updated On Jan 21, 2021

Do you know common reasons why motor insurance claims get rejected? You should know the situation to avoid where you are not able to make a car insurance claim settlement.

Want to know car insurance claim rejection reasons? Car insurance claims can appear to be a complicated process, however, it is in fact very accessible and easy. Without the correct knowledge you may run into some obstacles and end up facing a rejection of your claim settlement. Here are some common mistakes and blunders that are made while raising a claim, which may result in a claim rejection.

Common Reasons Why Motor Insurance Claims Get Rejected

Let’s read about these mistakes and how to avoid them, to ensure your future claims are made successfully.

1. Insufficient Documentation of Evidence

When any damage occurs to your insured car, it is important to clearly and correctly document everything that has occurred. This includes taking pictures or videos of your car and any surrounding areas as well as any damage that has occurred in an accident or other situation. It is imperative for the purpose of settling the claim that you have clear documentation of all of the damages. Failing to provide this documentation is one of the common reasons that insurance claims are rejected, as without it, proper verification of your claim cannot be conducted.

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2. Delay in Filing the Claim

Following getting medical help and informing the police, informing your insurance company of any damages to your car in a road accident or other situation is the most important step in dealing with the aftermath of such a situation. It is imperative that you reach out to your insurance company as soon as possible as delay in informing them will create obstacles for you in the claim settlement process and may lead to a rejection of your insurance claim.

3. Failing to File an FIR

In case your car is involved in an accident, it is imperative to inform the police and register an FIR (First Information Report) as a record of the events that have taken place. Some individuals may try to settle the matter directly with the third party without informing the relevant authorities. However, this can impact the claim settlement process negatively and may lead to rejection of the claim. Therefore it is important to ensure you have registered an FIR with the local police station in case of an accident.

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4. Driving Away From the Scene of the Accident

Just like it is important to inform the authorities of what has taken place, it is important to be a responsible citizen and be present at the accident scene to deal with the situation, rather than fleeing the scene. If you flee the scene and are not present to record the relevant evidence or answer to the authorities, your insurance claim will likely be rejected.

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Raising an insurance claim can be a seamless process. It is important to be responsible and follow all the necessary regulations and steps required to successfully file an insurance claim. Equipped with this knowledge, you will likely be able to successfully file a claim, should you need to.

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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.

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