Car Insurance: Since accidents and adversity can happen to anyone, wherever on the globe, life is inherently unpredictable. It can be heartbreaking to have your priceless car wrecked, particularly if you weren’t at fault. Comprehensive car insurance coverage can handle the financial aspects of losses or damages brought on by collisions, fires, natural catastrophes, theft, or man-made tragedies. The car insurance claim denial by the insurance company, nevertheless, can make things worse when you suffer such losses or damages to your vehicle. In this article, we will give you five instances when insurance companies can reject your request.
5 instances when Car insurance companies can reject your claim request
1. Drunk Driving
You must be aware that driving while intoxicated is against the law in India. If you are caught driving while intoxicated, the insurance provider will deny your claim without engaging in further discussion. In addition to the claim being rejected, you could face criminal charges.
2. Late claim filing
The insurance providers give 24 to 48 hours after an occurrence to file a claim. If the claim is not filed within the allotted time, the insurance company will reject it.
3. Using a car for an unspecified purpose
Another frequent cause for a car insurance claim to be denied is using your personal vehicle for business purposes. The insurance provider will immediately deny the claim if it is discovered that the car was used for any illegal activity.
4. Using after-market accessories
If you use car parts that are not allowed by the law, your auto insurance claim may be denied.
5. Driving without a DL
The most frequent cause of car insurance claim denial is using a vehicle without a current driver’s licence. No insurance provider will consider your claim if you are operating a car without a valid driving licence because it is a requirement.
