Things To Keep In Mind About A Car Insurance Claim Inspection

Published On Aug 03, 2021 11:00 AM By InsuranceDekho

Read this article to understand the most common reasons for rejection of claims and get points that you must keep in mind to avoid rejection of your car insurance claim.

Rejections are tough to cope with, whether they be for visas or insurance claims. If your car insurance claim is refused, you may feel upset and puzzled. This is why it's so important to comprehend why your insurance claim could be refused. This article will go over a few of the reasons why your car insurance claim could be denied, as well as some tips on how to avoid it.

Points To Keep In Mind To Avoid Rejection of Your Car Insurance Claim

When you understand why your car insurance company could reject your claim, it will be easier for you to avoid this situation and collect your claim amount. The following are some of the most common reasons for a claim being denied by a car insurance company - 

  • Never Lie To The Insurance Company 

The objective of a car insurance policy is to pay the policyholder for their losses, not to create income. It is based on the principle of "extreme good faith." As a result, falsifying or hiding facts is considered fraud. Apart from the claim amount being denied, such an act may result in legal difficulties. To prevent having your claim refused, always supply your insurance provider with all pertinent information about the incident and your car insurance claim. The key to getting your insurance payout is making a claim on time and telling the truth about the accident to the claims staff.

  • Inform The Insurance Provider About Any Modifications To Car

Car enthusiasts regularly modify car parts in order to improve the car's performance or look. Changes that improve an automobile's performance and speed might compromise its security, resulting in a higher car insurance rate. In such cases, your insurance provider is likely to deny your car insurance claim if you neglect to disclose such modifications and subsequently become involved in an accident or other tragic occurrence. As a result, keep your car insurance carrier up to date on any such changes.

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  • Renew Your Car Insurance On Time

Every insurance plan has a fixed time of validity after which it must be renewed in order to stay active and get the benefits it offers. You will be unable to submit a claim or get insurance benefits if you do not renew your expired policy. As a result, filing a claim under an expired car insurance coverage will result in your claim being denied. Because accidents are unforeseeable, it is important to keep your insurance coverage current. Preparing for a disaster is preferable to being caught off guard. No insurance company will authorise a claim if the coverage has expired.

  • Adhere To Traffic Rules While Driving Your Car

Car insurance and the law are inextricably linked. Acts such as driving under the influence, driving while drunk, driving without a valid licence, and so on are criminal offences that, if committed during the accident, may result in the claim being denied. Your insurance claim is likely to be refused if the insurance company learns that you broke the law during the accident. Make sure you follow the regulations when driving your car. Your insurance claim will be refused if you are involved in an accident while violating the law.

  • Go Through Your Car Insurance Policy’s Terms & Conditions

Car insurance is often separated into several categories to assist policyholders in obtaining the most appropriate coverage. Car insurance for private and business vehicles is different. If you have a privately owned car and have an accident while driving it for business or any other commercial purpose, your insurance coverage is likely to be denied.

Also Read:- SBI General Cashless Car Insurance Process Explained 

Take Away

Claiming your car insurance may appear to be a difficult process, but following the right protocols at each stage is important to ensure your safety and prevent having your claim refused. While filing a claim, be sure to follow the terms and conditions outlined in your car insurance policy, and drive carefully.

 

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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