Rarely do insurance companies deny customers’ requests for coverage under their car insurance policies. Typically, this is undertaken when an insurer believes a customer’s claim is not genuine or valid. In this matter, the insurance company would not cover the costs of the insured car’s damages, so the owner would be responsible for paying them out of pocket.
This article will discuss typical car insurance claim denial factors and what you can do if an insurer denies your claim.
Reason 1: If It Is Determined That Your Claim Is Untrue
Your insurance company appoints a surveyor to examine the validity of your claim when you submit a car insurance claim. This surveyor’s job is to check your car and any damages to see if they align with the accident’s story. The surveyor may reject your car insurance claim if they believe it is untrue.
Reason 2: Failure To Provide The Necessary Documents
The policyholder’s inability to provide the necessary documents can be another frequent reason motor insurance claims may be denied. Insurance companies typically request a few essential records when a customer files a car insurance claim, including the car insurance policy, the registration certificate (RC) of the vehicle, a copy of the police report (in the event of theft), the driver’s licence, and the owner’s Aadhar card, among others. You can access all aspects of your insurance using an app for car insurance.
Reason 3 – If It Is Determined That You Were Breaking Traffic Laws At The Time Of The Collision
Unfortunately, a car policy covers traffic accidents and natural disasters. However, suppose the driver or claimant is found to be breaking traffic laws, such as driving when intoxicated, operating a vehicle without a valid licence, or performing illegal car modifications.
Reason 4 – Failure To File The Claim On Time
A car insurance claim filed too late risks being rejected. There is typically a deadline by which you must inform your insurer of an accident and any associated losses for your claim to be approved. If you don’t submit your claim by the deadline, your car insurance company might not take it into account later. Filing a claim is now fairly easy using a car insurance check app. Claims are subject to terms and conditions set forth under the motor insurance policy.
Reason No. 5: Failure To Renew Car Insurance
Insurance companies may not consider claims on expired policies. You must remember to renew your car policy on time. If not, it will expire. The insurer may deny your claim if you have an accident and file a claim under your expired policy. Even worse, the police may fine you for driving an uninsured vehicle and using your car. You can use the car insurance mobile app as a reminder to renew your insurance.
Understanding the common reasons for car insurance claim rejections can help you avoid unnecessary frustrations and financial setbacks. It is crucial to maintain accurate records, adhere to the terms of your policy, and report accidents promptly to your insurance company. Additionally, honesty and transparency throughout the claims process are essential for a successful resolution.
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