Car Insurance Policy: Why is your car insurance claim rejected?

end of policy term
For continued coverage, it is necessary to renew your policy every year. You can claim insurance only when your insurance coverage is in force. If your car insurance policy has expired and you have not renewed it, the insurance company will reject your claim on the grounds that your insurance has expired.

Car modification and accessories
When you renew your car insurance policy, it covers the components covered in the previous year’s policy. Keep in mind that if you want to cover additional accessories in the insurance policy, you should inform the insurance company before renewing the policy. Additional accessories will be included in the new policy only after the insurance company inspects it and collects the required premium from you. If you do not inform your insurance company about the additional accessories, your claim for the damaged accessories will be rejected.

reporting the incident late
You have to report the incident for the insurance claim within a certain time frame. If you submit the claim late or if you do not provide the required documents to the insurance company within the given time limit, your claim may be rejected.

driving without a driving license
Driving without a valid driving license in India is against the law, and you can be fined for it. If your car gets into an accident and it is found that you were driving the car without a driving license / valid driving license, the insurance company will reject your claim.

Car modification and accessories
When you renew your car insurance policy, it covers the components covered in the previous year’s policy. Keep in mind that if you want to cover additional accessories in the insurance policy, you should inform the insurance company before renewing the policy. Additional accessories will be included in the new policy only after the insurance company inspects it and collects the required premium from you. If you do not inform your insurance company about the additional accessories, your claim for the damaged accessories will be rejected.

reporting the incident late
You have to report the incident for the insurance claim within a certain time frame. If you submit the claim late or if you do not provide the required documents to the insurance company within the given time limit, your claim may be rejected.

driving without a driving license
Driving without a valid driving license in India is against the law, and you can be fined for it. If your car gets into an accident and it is found that you were driving the car without a driving license / valid driving license, the insurance company will reject your claim.

dilapidated vehicle
If the vehicle’s tires are worn out and the paint is discolored, such a condition is described as ‘breakdown’. These are not considered for claims by the insurance companies. You can claim insurance only for pre-defined situations such as theft or accidental damage.

drunk driving
Driving under the influence of alcohol is a legal offense in India. If you are caught while driving under the influence of alcohol, you could face criminal charges. If you have an accident while driving while intoxicated and a third party files a claim against you, your insurance company will not consider your claim because you were intoxicated while driving.

If the policy is not in your name
When you buy a used car, important documents like registration certificate are transferred in your name. The insurance policy should also be transferred in your name to claim the insurance in case of need. Any negligence in doing so may lead to rejection of the claim.

commercial use of personal vehicle
Your insurance claim may get rejected if you are using your personal vehicle for commercial purposes. Commercial vehicle insurance rules vary.

Conclusion

Now, that you know the conditions under which your car insurance claim can be rejected, keep the above mentioned points in mind and take all necessary measures to ensure that your claim is not rejected by the insurance company. .Conclusion