Car Insurance Claims get rejected quite a lot. And that is simply because people who go for these insurances, they don’t learn about the scenarioizes that could get their claim rejected. No matter how great a deal you get on your car insurance, you need to make sure that you know everything there is to know about the car insurance. This is the only way for you to rightfully ask for a claim on your car insurance.
To make things a bit easier for you, we have listed here the most common cases where your car insurance might get rejected. Make sure to keep all these points in mind if you don’t want to suffer the mental and financial toll of damage repairs of your car alone, without any kind of insurance policy backing you up.
1. When your Policy is Expired
If you haven’t been complying with the terms and conditions of your car insurance policy i.e. You haven’t renewed the policy, or you are not paying the payments for insurance, your policy would get lapsed. In that case, the company that you have bought the insurance from would have the right not to accept your claim.
2. When you are Drunk Driving
If you have been driving in drunken state, you won’t be reimbursed for the damages. The insurance company won’t cover for you because it is against the law to drive when you are drunk. You can file any kind of claim or complain and if you do, you would just end up wasting a lot of your time and financial resources. So, always keep that in mind when claiming for insurance for your damaged vehicle.
3. Parking in a No-Parking Space
If you park your vehicle in a non-parking space, because of self-negligence, your claim for insurance would not be entertained. The insurance companies are well within the right to discard all claims of this sort. The car damages that you get in a no parking space are considered to be your own fault. The insurance companies won’t cover it for you. It falls under the same kind of situation as drunk driving.
4. Using Personal vehicle for Business Transportation
When you use your personal vehicle that you have registered for private use for business purposes and it gets damaged, the car insurance policy won’t cover these damages. The main reason for that is, Commercial Vehicles work under different kind of laws and their insurance rates are different. If you plan on using a vehicle for transportation purposes, you should look for insurances that cover those.
5. Waiting for too Long After an Accident
Keep in mind to reach out to the insurance policy within the first 2 days of the accident. If you notify too late, the companies have the right to reject your claim. And for the minimum time period also differs from one insurance provider to another. Make sure to learn about all of that when buying an insurance plan from any insurance provider.
6. Driving with Expired License
When you don’t have a vial driving license on you, the license claim would get rejected. That is because in most countries, it is illegal to driver without a license. Make sure you have the original license on you and make sure that it is valid and not expired. If you don’t follow these directions, the claim would get rejected.
7. Getting Damages Repaired without Prior Notification
Once you have got the damages fixed all by yourself, you won’t be eligible to claim for the car insurance. The reason for that is simple, the company just won’t know the kind of damage that your vehicle received, and they can simply just reject the claim on that basis. Notify the insurance provider as soon as you can after the accident, and you would be covered for that with the insurance policy.
Claiming for car insurance can get quite tricky sometimes. But that doesn’t mean you shouldn’t go for it. There are numerous benefits including the top 7 benefits by blues and bullets that you get with having your vehicle insured. So, make sure to buy a reasonable car insurance plan for your vehicle and keep the above points in mind for claiming for insurance the right way.