Many times people take insurance claim to get the car repaired. But due to some reasons the claim is not passed by the company. If you know the right reason then the claim will never be rejected. In this news, we are telling you the reasons for which the insurance claim can be rejected by the company.
Car insurance is necessary under the Motor Vehicle Act
Under the Motor Vehicle Act, insurance policy is necessary to drive a car in India. Therefore, every car owner insures his vehicle. Car insurance policy provides cover in case of physical damage to the car, theft of the car and accident.
Take care while buying an old car
If you like to buy an old car. Then after buying an old car, many times you delay in getting the insurance transferred. In such a situation, if any accident happens, the claim can also be rejected by the insurance company.
Driving license is necessary
If a person does not have a valid driving license or his license has expired and he gets into an accident while driving a car. Even then the claim can be rejected by the insurance company.
Claim is not received due to these reasons also
Apart from insurance transfer or driving a car without a valid license, there are many other reasons due to which the insurance claim can be rejected. The main reasons among these are using a private car as a commercial car, modifying the car without informing the authority and giving late information to the company after the accident, due to which the insurance claim can be rejected at the time of need.
Do not do these things for insurance claim
If you want a claim from the insurance company at the time of need, then you should avoid doing many things. Usually people start taking claims for small things. Apart from this, many times people apply to get the claim passed in a fraudulent manner. But even if the company gets to know about this, the company can reject your claim as well as put you in the blacklist.
Not giving correct information: The biggest reason for a car insurance claim is that you have not provided the correct information about the car to the insurance company.
Violation of policy term: Not following the term prescribed under the car insurance policy can also lead to your claim being rejected.
Invalid driving license: Driving without a valid driving license or during its suspension can result in your insurance claim being cancelled. Therefore, always drive a car with a valid driving license.
Repairing from an unapproved garage: Insurance companies reject the claim even if the car is repaired from an unauthorized or unapproved garage.
Hiding modification information: If you have modified your car and have not given its information to the insurance company, then there are high chances that the insurance company may reject your claim at the time of claim.
Commercial use of personal vehicle: If you are using your personal car for commercial use then the insurance company rejects your claim.
Drunk driving
Another obvious reason for claim rejection is drunk driving. Since driving under the influence of alcohol is illegal in India, any claim arising from an accident caused due to drunk driving will be rejected. If you do not inform the insurance company about the accident, there is a high possibility that your claim will be rejected. For this, you should generally ensure that you inform the insurance company about the accident within 24-48 hours.
Delay in policy renewal
If you forget to renew the policy and an accident occurs during this time, the claim will not be considered by the insurance company.
Damage caused due to depreciation
Engine damage due to hydrostatic loss is common during monsoons. Here the damage is not caused by flood or rain, but because someone drove the car in a waterlogged area. Obviously this will not be covered by the insurance company.
Mechanical or electrical breakdown
Motor insurance policies do not cover any mechanical or electrical problems. Things like engine oil or lubricants are not covered in the basic policy and neither are any plastic spare parts or tyres. Any damage caused to the vehicle during normal use, such as worn out tyres or tubes, is not covered.
Key or lock replacement
Cars nowadays come with technologically advanced keys and keyless locking systems, which can be expensive to replace. This will only be covered if you have an add-on cover for it.
