Tips To Avoid Rejection Of Car Insurance Claims

Car Insurances 187 views

You always pray that your car does not meet any accident as it requires a lot of investment fuelled by the inherent dream to own it. But it may happen that your car face the accident. That's why we take insurance of the car so that we can indemnify from the losses caused on account of accident to the vehicle. You are supposed to pay a certain sum of premium amount on a regular basis for uninterrupted cover for our car. You get the claims when your car meets an accident.

You may have been feeling like wasting the money on car insurance premium as your 4-wheeler may not have experienced any accident. But don't get tempted to forego insurance as things can go out of your hand all of a sudden. The soaring costs of repairs, painting and denting, which can be much more than the annual premium, can take a huge toll of your pocket. Suppose if your car with value of Rs 5 lacs is theft, the insurance premium on the vehicle comes out to be around Rs 7,000, which can be affordable. Paying such amount will help you get the claim when the incident does arise. But there can be cases when you could be at the wrong side as the insurer may cancel your claim on account of factors stated below. Pay heed to such factors and keep getting the claim benefits of car insurance.

Ensure no gap in policy renewal

There can be gaps in insurance renewal, which could put you on the massive log of losses if an accident occurs during the time between policy expiration and renewal as the insurance company can deny the claims made in such a case. So, it is required you ensure no gap and continue getting the benefits of insurance claims.

Must Read  Useful Tips to Keep Frauds on Car Insurance at Bay

Renew driving license on time

Most of us must be renewing the car insurance policy immediately after it gets expired. But they forget to do the same in case of driving license. Even though the license remains valid for a fairly long period, but it needs to get renewed after its expiration. Just in case if your car happens to meet an accident during the time when your driving license is not valid, then all the premium payments made by you on car insurance will go down as a waste as the insurer holds the right to reject the claim in such a situation.

Be judicious in car usage

If your personal car meets an accident while it is being used for commercial purposes, then the insurance company can reject your claim straightaway. If the car is used for any unlawful act, then also the insurance claims can be denied by the company. So it is advisable you yourself do not involve in any unlawful activities as well as don't give your car to the person without knowing the reason of him/her taking your vehicle.

Avoid drunk driving

If you/your driver found drunk during the time of accident, then the insurer holds all the rights to reject your claim. You may think of moving to the court, but even the law will not help you in this case. You may get away in minor accidents when you won't have to face any police or go to the hospital. But in other cases, your insurance coverage will be zero as the hospitals will most probably disclose the information citing exact reasons for the accident. And on finding you drunk while driving, you will not only miss the claims but also have to deal with the criminal case that can be lodged against you.

Must Read  How Your Car Insurance Premium Gets Calculated?

So these were the tips that you can use to avoid rejection of your car insurance claims.