Top 5 Reasons Behind the Rejection of a Car Insurance Claim

KOLKATA, India - Feb. 2, 2021 - PRLog -- 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 daily.

The reason behind the rejection of a motor insurance claim could be many. In most cases, our own negligence results in the rejection of an 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 a car insurance claim could mean that you will have to pay the repairing costs from your own pocket.

So in this blog, I'll discuss here the top 5 possible reasons behind the rejection of your motor insurance claim:

1.      Driving Under 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.

2.      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.

3.      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.

4.      Failing to Inform on Time: You must inform your car insurance provider within a stipulated 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.

5.      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.

So here are the top 5 reasons why your insurer could reject your car insurance claim. Make sure you keep these in mind and then file a claim.

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