Suspense Crime Sach Ka Dam
When you buy a car, you get it insured too. For this, you pay a premium. Motor insurance is necessary in India to ensure the safety of everyone on the road and to protect against financial loss. Motor insurance (car insurance) protects you from the financial risk of uncertain situations that arise while driving on the road or even when your car is parked. If something untoward happens, a claim is sought from the insurance company. But many times this claim also gets rejected. This happens only when you make mistakes by ignoring the terms and conditions of the insurance policy. Come, let us know here what big mistakes you make due to which the company does not accept your claim.
Driving without a valid license
Having a valid license is a must to drive, so insurance companies will not accept claims from drivers without a license. Driving without a valid license is a punishable offense and can lead to a direct rejection of the car insurance claim. According to ICICI Lombard, in case of an accident, if you are found without a proper driving license, you will not even be able to file a claim with your insurance provider. Not only will you be denied a motor insurance claim, but you can also be fined a minimum of ₹5,000.
Delay in claiming is also the reason.
There is usually a time limit to inform your insurer about the accident and any damages. It is a good idea to inform the car insurance service provider as early as possible when filing a claim. Delay in reporting the accident makes the car insurance claim settlement process more complicated and often leads to 100% claim rejection.
Unpaid premiums
If you do not pay your premium on time, your policy may be canceled, and your claim may be rejected. It is wise to pay your premium on time. Also, if your car gets damaged due to your negligence, your claim may be rejected. Providing incorrect or incomplete information about the car may lead to the rejection of the claim.
drunk driving
Drunk driving can land you in trouble as it is not only a reason for rejecting a car insurance claim but is also a prosecutable offense. Whether it is alcohol or restricted/controlled substances, any sign of consumption while driving leads to instant rejection of your motor insurance claim. Apart from the rejection of the claim, you may also have to face a lot of legal hassles that can lead to fines, imprisonment, or both.
Repairs without information will be costly.
Any repairs done to the car without informing the insurance company will not be covered under your motor insurance policy. In case of an accident, you need to inform the insurance provider about all the damages for approval of the claim made. In such a case, a designated inspection officer inspects the damage, and only then does the repair and claim process begin.
