These 5 things could cause your car insurance claim to be rejected

Having your motor insurance claim rejected can be a very disappointing experience. You pay your premiums regularly expecting to be financially compensated in an unfortunate event only to be let down by the terms and conditions of your policy that cause your claim to be rejected. To ensure you never have face this sort of situation this article will highlight 5 common reasons why your four-wheeler insurance claims might be rejected.

Car Insurance claim rejected due to invalid driver’s license.

Our driver’s license is something that lives in our wallets and only sees the light of day when we are pulled-over by a cop or show our friends how embarrassing our driver’s license photo is. Therefore not all us are aware of the expiry date of our licenses. Take for example Rahul who was returning from a long road trip with his friends. He had parked on the side to wash his face while his friends visited a nearby show to get refreshments. In the blink of an eye, a truck rear-ended his car and caused a substantial amount of damage. He wasn’t worried as he knew he has paid his insurance premiums and his car was covered. However when applying for a claim he realized his license was expired and thus his claim was rejected.

To ensure you don’t have to face similar consequences, be well aware of the particulars of your license and make sure it always valid and up to date.

Your Car Insurance claim could rejected if you don’t make the claim in time.

Most insurance companies require you to intimate them regarding an accident within 48 or 72 hours. Failing to do so could result in your 4-wheeler insurance claim being rejected. Therefore it is of paramount importance that you intimate your insurance company immediately about any accidental loss or damage occurring to your car.

Driving under the influence will also result in car insurance claim rejection.

Driving under the influence of alcohol of any banned substances is a one way road to a rejected claim. Always insure that the person behind the wheel is sober and completely inebriated while driving if you want your claim to be entertained and approved.

Not transferring the car insurance policy when buying a second hand car.

Just transferring the ownership is not enough; when you buy a second hand car ensure that the insurance policy is also transferred to your name and the required details have been updated and bare your details. Not doing this could result in your motor insurance claim being rejected.

Overloading, overeating or wrongful use of the vehicle:

Having to many people or too many goods in the car could cause your 4-wheeler insurance claim to be rejected. Further if your car is for personal use and you are using it for personal use or any other purpose, your motor insurance claim might stand to be rejected.

These were some of the common reasons why car insurance claims can be rejected. We hope it has been helpful and that you never have to find yourself in such a scenario.