How to Avoid Car Insurance Claim Rejection

Aspects to avoid and prevent having the Vehicle Insurance claim denied

Driving while in possession of an illegal driver's licence

You've undoubtedly heard it before, but we can say that again! Driving without the valid driver's licence is absolutely illegal. The auto insurance provider will not accept your claims if:

• when the licence was invalid during the time of an accident
• when you were driving without the license
• When you just had a learner's licence and just were driving without one permanent licence holder in your front seat!

Unable to transfer automobile insurance policy

Whenever people get a used car, they frequently make the error of not forwarding the vehicle's insurance to the new buyer. So, if purchasing a pre-owned vehicle, do remember to transfer your insurance policy into the name within fourteen days (approximately two weeks) of your purchase, or else any further claims that you make might get denied.

Failure to have the valid PUC at the renewal's time

When renewing the coverage, you must have a valid PUC or Vehicle Pollution Certificate. It is also required to have the current PUC certificate in order to renew the insurance coverage. Just in case it gets expires, you will be in the violation of the law. You may check out the status of the PUC!

Violation of traffic laws & regulations

Whether you plan on making claims, it's indeed critical to obey all safety laws & regulations and drive responsibly. As a result, factors like underage driving, intoxicated driving, or running the red light during the accident might cause a denial of the claim. That's, particularly for the personal damages.

Invalid or Incorrect RC

Check that the RC or vehicle's registration certificate & other papers (tax certificate, fitness certificate, and pollution certificate) are valid. It must be under your name.

Declaring an incorrect NCB

If you purchase a new automobile insurance plan after inadvertently declaring an erroneous NCB of the old policy, all claims that you make under your new policy may be denied.

Communication delays

In the event of a theft or accident, it's imperative to remember that you notify the insurance provider as soon as possible, especially before taking it in for repairs. It is noteworthy to remember to provide them with all of the required documentation within the specified time frame. Else, the claim might get rejected.

Adding extra equipment or making changes to your car

Please tell the insurance provider when you make certain changes or adjustments to the vehicle (such as adding CNG or the LPG kits). Consequently, your insurance won't cover the additional components and claims that you make would be denied. After a brief examination, your insurance will also include the additions, which may necessitate an extra charge.

Inappropriate vehicle operation

You cannot file a claim if your vehicle gets used for a purpose not covered by your policy.

Being dishonest about your claim or in the form

The insurance provider will deny the claim when you offer inaccurate or even false or misleading information on the claims form (for instance, that someone else was driving during the time of the crash). Try to respond to questions that the claim inspector asks you truthfully, and don't change your responses.

Purchasing car insurance is vital to maintaining you & your vehicle secure, but simply having such insurance coverage isn't enough.

It is crucial to note that the insurance is entirely based on particular terms as well as conditions. In case you breach any of them, your insurance company won't approve the claims.

So, it is imperative to ensure that no realistic claims made by you get rejected. Hence, making a claim on automobile insurance may be a relatively simple & straightforward procedure as long as you avoid the above mistakes.