Got Your Car Insurance Claim Rejected By the Insurer? These Could Be the Possible Reasons

It could be a painful experience both financially and emotionally if your car insurance claim is rejected by the insurance company. Too many claims get rejected by the insurance providers on a daily basis. The reason behind the rejection of a motor insurance claim could be countless. In most cases, our own negligence results in the rejection of auto insurance claim.

Car insurance claims are filed to seek compensation from the insurer in case of any damage or loss to the vehicle. A rejection of car insurance claim could mean that you will have to pay the repairing costs from your own pocket. I’ll discuss here some of the possible reasons behind the rejection of your auto insurance claim.

• Using Your Car For Different Purpose: If you use your car for commercial purpose but you bought car insurance online plan for personal use, your car insurance claim will be rejected instantly.
• Driving Under the influence: Motor insurance is important in case of an unfortunate accident or theft. If the car insurance company finds out that the mishap happened because you were driving under the influence of alcohol or drugs, your vehicle insurance claim will be turned down immediately.
• Invalid License: Your car insurance claim may be rejected if you don’t have a valid license. If your license is fake or has expired, or you have a license for a different vehicle category, your motor insurance claim may get rejected.
• Your Own Negligence: The motor insurance company will not pay a single penny if they find out the damages to your car caused from your own negligence such as starting your car engine in a water-logged area etc. In such circumstances, your car insurance claim may get rejected.
• Failing to Inform on Time: It is your duty to inform your car insurance provider within a stipulated time period if your car gets stolen or meets an accident. Failing to inform the vehicle insurance company within time may result in the denial of your car insurance claim.
• Repair of Your Car Before/Without Informing the Insurer: Car insurance companies in India are not obliged to cover any damages if your car undergoes any repair before your car insurance provider is informed. In such cases, the car insurance company needs to estimate the cost of repairing in advance.
• Car Insurance is on the Name of another Owner: If you own a second-hand vehicle and the motor insurance policy is on the name of the first owner, your car insurance claim will be rejected. It is advisable that you get to the seller and transfer the car insurance on your name while buying a second-hand vehicle to avoid the rejection of your vehicle insurance claim.

Securing your car with the best motor insurance policy should be your prime goal in terms of total protection. Make sure you buy the best auto insurance policy for the total protection of your four wheeler vehicle. GIBL.IN can assist you to find the most suitable and affordable car insurance plans for you at the click of your mouse. And also make sure you do not repeat any of the mistakes talk about above to make sure your claim gets accepted by the insurance provider.