New Delhi, People often get their insurance (insurance) done at the time of buying a car or any other vehicle or for some time after it. The purpose of getting vehicle insurance is to get compensation for the damage caused to the vehicle by accident or theft. Although the insurance company in many circumstances indemnifies the loss by accepting the claim on the damage caused to the vehicle, but sometimes there are some circumstances when the company can reject the insurance claim.
Let us know 10 such reasons due to which the claim of insurance done for vehicles can be rejected. Therefore, these mistakes should be avoided.
1. Cause of Damage Insurance claim for car or two wheeler is accepted only if the loss is due to natural calamities, theft or accidental fire. If there is a loss due to any other reason then the company rejects the insurance claim.
2. Lack of correct information about policy and add-on cover At times, insurance claim can be rejected due to lack of correct information about the policy and add-on cover. Certain types of damages are not covered under the policy and require purchase of a separate add-on cover. In such a situation, the insurance claim may get rejected if there is no add-on cover.
3. Commercial Use of Personal Vehicle If the vehicle purchased for personal use is used for commercial purposes, the insurance claim will be rejected in the event of an accident.
4. Modification of Vehicle – It is important to inform the insurance company about getting CNG kit installed in your car, adding accessories, body change or any other kind of modification. Failure to do so will result in rejection of the insurance claim even in the event of an accident.
5. Not having a driving license If the person driving the vehicle at the time of the accident does not have his own license, the insurance claim will be rejected.
Also read – Motor Insurance Tips: How To Claim Car Insurance, Easily Understand The Whole Process In 6 Points
6. Drink and Drive If an accident occurs while driving while intoxicated, the insurance claim will be rejected.
7. Delay in renewal of policy If you are not able to renew the insurance policy on time and an accident occurs during this time, the insurance claim will be rejected by the company.
8. Non-adherence to Policy Guidelines If you do not follow the necessary guidelines of the insurance policy of your vehicle, then the insurance claim can be rejected by the company.
9. Giving false information or concealment The insurance claim can be rejected by the company even if all the information required at the time of purchase of the policy is not given correctly or they are suppressed.
10. Repair without knowledge After the accident, if you claim the insurance after getting your vehicle repaired without informing the insurance company, then the company can reject it.
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