How to avoid rejection of your car insurance claim

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How to avoid rejection of your car insurance
claim
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introduction
You have a car and you have insured your car to
pay for cost of damages in the event of an
accident. But have you taken adequate precaution
to avoid your claim getting rejected by the
insurance company? Here is a checklist to avoid
your claim getting rejected
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1. File your claim on time

• It is completely important to submit your claim
  on time. You should intimate the insurance agency
  quickly or as early as possible after the mishap.
  Any delay in filing claim for damages can result
  in rejection of your claim. Also, do not get the
  car repaired before filing your claim.

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2..Default in payment of premium

• If you have defaulted in payment of insurance
  premium within the stipulated time, your
  insurance policy will lapse and then you will not
  be able to claim any damages caused due to
  accident. So, pay your insurance premium on time
  to avail the insurance cover.

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3. Expired driving license

• If your driving license had expired when you were
  driving your car and met with an accident, your
  claim is bound to be rejected. A valid driving
  license is one of the key documents you have to
  submit to claim the cost of damages, so have to
  note the date of expiry of your driving license
  and renew it on time.

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4. Change of usage

• If you have bought the car for personal use but
  have been using it for business purpose, the
  insurance company will reject your claim on the
  ground of change in usage. So while buying a
  policy, you have to decide the purpose for which
  the vehicle is to be used and use it for that
  purpose only.

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5. Negligence

• If the damage to your car is due to your own
  negligence or that of your drivers negligence,
  the insurer may reject your claim. Such
  negligence could be due to driving under the
  influence of alcohol or drugs, etc.

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6. Uninsured drivers

• When you buy a vehicle insurance policy, you have
  to specify the names of the persons who will
  drive the vehicle. You can claim damages if the
  vehicle meets with an accident when any of these
  drivers were driving the vehicle at the time of
  the accident. If any of your relative or friend
  who are not covered under the insurance policy
  were driving the vehicle at the time of the
  accident, your insurance claim will be rejected.

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Thanks!

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