Your car insurance is really a mandatory attachment together with your car. You may decide to avoid accessorizing your vehicle but you cannot decide to avoid a car insurance policy. It's legally mandatory and also you face legal consequences in the absence of a car insurance plan. Besides being mandatory, a car insurance policy can also be useful in times during the any sort of accident. Its smart for any 3rd party liability you might incur or any damages faced on your part and your bike. However, during the time of any accident, there are a few steps which you should follow to raise claims. How many of you understand such steps?
Very few do. The majority of you don't know how you can raise a proper and valid auto insurance claim. This results in rejection of the auto insurance claim. Are you currently afraid of your claim denial?
Don't be. Here are a few common cases of claim rejection and just how you are able to avoid being stuck within the same:
-
Rejection because of non-adherence to claim process
After an accident there is a claim initiation process which are required to follow. If you don't follow the prescribed steps or if you miss any step your claim might get rejected.
How to avoid rejection – know and follow your car insurance plan's claim settlement process. To begin with, you should inform the insurer once you face any sort of accident and are likely to raise claims. This intimation is necessary so that the insurance company arranges to have an inspection of the vehicle. When you get your vehicle repaired without an inspection, any claim you are making has high likelihood of rejection.
Know the procedure to assert your car insurance with the help of below video
-
Rejection because of lapsation of policy
If your vehicle insurance policy has lapsed and you've got not renewed it you are able to say goodbye to any possible claim settlement. A lapsed policy implies that your insurance policy is inactive. If you raise a claim inside a lapsed policy it would get rejected.
How to avoid rejection -A car insurance is an annual contract and needs annual renewals. You need to renew your policy diligently every year without fail. Only if your cover is active will you be capable of getting your claims settled.
-
Rejection because of excluded damages
There is really a list of exclusions inside your car insurance. These exclusions are not taken care of. For example, if you face any damages when driving away from geographical boundaries asia, such damages aren't paid. Similarly, if you face damages when driving under the influence of alcohol, the claim is rejected.
How to avoid rejection – You should pay heed to the exclusion list given in your vehicle insurance plan. Before making a claim know whether your claim is for a valid damage or a damage that is excluded.
These were the potential reasons for rejection. You have also been advised regarding how to avoid these causes. Besides these, you should also try to be a 'good customer' for the insurer. If you're a good customer you would have a good insurance history together with your insurer which would construct your rapport. To be a good customer you need to:
- Avoid making small claims. When you make any claim you lose out on the accumulated No Claim Bonus discount on your renewal premiums. So, when claims are of a lot less, try to pay them from your own pockets. Don't raise a claim and save your NCB from becoming lost.
- Renew your policy promptly. As stated earlier, on-time renewals are very necessary just because a lapsed policy does not settle claims. On-time renewals also provide other benefits. Your NCB discount is protected and you can also avoid the hassle of inspection of your vehicle which happens when the policy lapses.Read more about Auto insurance terminologies you need to know .
- Carry important claim-relevant documents all the time. Your Insurance Certificate, PUC certificate and driving license are important at the time of claims. It is best to carry all of them with you when driving.On what documents to carry when you're driving your car
- Install safety devices inside your car. Devices like ABS, anti-theft mechanisms, etc. assist you to lower your claim. Moreover, you need to follow traffic rules when driving and drive safe. Here are a few security features in your car which you might not know.
Car insurance claims do not get rejected should you comprehend the claim process making a valid claim. Your policy ought to be in-force which means that your cover is active. Also, as being a good customer not just lowers your chances of claim , it also earns you excellent savings. So, be a good customer, learn about your car insurance claims and avoid possible rejections.
Know more about how to choose hassle-free auto insurance which is claim friendly
