{"id":10,"date":"2020-09-21T13:07:20","date_gmt":"2020-09-21T13:07:20","guid":{"rendered":"http:\/\/blog.insurancesamadhan.com\/?p=10"},"modified":"2020-09-21T13:07:22","modified_gmt":"2020-09-21T13:07:22","slug":"reasons-why-car-insurance-claim-get-rejected","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/reasons-why-car-insurance-claim-get-rejected\/","title":{"rendered":"10 Common Reasons Why Car Insurance Claims Gets Rejected"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/reasons-why-car-insurance-claim-get-rejected\/#10_Reasons_for_Car_Insurance_Claim_Rejection_by_Insurance_Company\" >10 Reasons for Car Insurance Claim Rejection by Insurance Company<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/reasons-why-car-insurance-claim-get-rejected\/#What_to_do_in_case_of_car_claim_rejection\" >What to do in case of car\u00a0claim rejection?<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>The idea of taking a car insurance policy is to ensure that if the car unfortunately meets with an accident, we can claim some money to get it back into the shape or at least minimize the losses. However, many times car owners fail to get their car insurance claimssettled to their satisfaction. If you too are also dealing into one such situation, you might consider the following reasons for car claim rejections:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10_Reasons_for_Car_Insurance_Claim_Rejection_by_Insurance_Company\"><\/span>10 Reasons for Car Insurance Claim Rejection by Insurance Company<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>Premiums are not paid on time:<\/strong>\u00a0One of the main reasons of a car insurance claim rejection is that the premiums have not been cleared on time. If you haven\u2019t paid your premiums on time, you need to check your policy for any grace period. You can pay the due amount within time to ensure you are consistently covered under your insurance policy.<\/li><li><strong>Non-disclosure of information:<\/strong>\u00a0While opting for the car insurance, you need to disclose all information about your address (including change in address), personal illness (like Epilepsy) or any previous accident of your car to the insurer. Without it your claim can be rejected because of non-disclosure.<\/li><li><strong>Unspecified or Unlicensed driver:<\/strong>\u00a0If the driver did not have a valid license which means a license that is fake, expired or of a different category of vehicle then the claim may get rejected. This may also happen if someone else other than the registered owner was driving the car due to non transfer of the vehicle from the previous owner to the current owner through RTO.<\/li><li><strong>Driving under the influence:<\/strong>\u00a0Many insurers reject the claim if the driver was driving irresponsibly or driving under the influence of alcohol or other intoxicants.<\/li><li><strong>Car not parked securely:<\/strong>\u00a0The insurer may want to know if your car was parked securely. If your car got stolen or damaged, while it was not parked in the garage or at a safe place, your insurer may reject the car insurance claim<\/li><li><strong>Vehicle inspection not processed:<\/strong>\u00a0Majority of the insurers would want your car to be inspected at the time of taking the insurance. This helps them checking any pre-existing damage. If you don\u2019t follow the process, they have all the right to reject your claim anytime within car insurance claim process.<\/li><li><strong>Absence of tracking or security device:<\/strong>\u00a0Your insurer can reject your claim for theft or damage to your car if you are supposed to have an alarm, locks and tracking device in your vehicle under the policy, however you have not installed them.<\/li><li><strong>No proof of accident:<\/strong>\u00a0There are no spot photographs or other evidence of the accident and the damage to the vehicle.<\/li><li><strong>False claiming of the No Claim Bonus:<\/strong>\u00a0According to All India Motor Tariff provision any false declaration for claiming NCB leads to any claim being denies and any benefits to be forfeited under the policy\u2019s own damage section<\/li><li><strong>Claiming damage other than accidental:<\/strong>\u00a0Wear and tear of the vehicle are not covered under the policy and claiming any damage to the vehicle other than the accidental damage can lead to the claim being denied.<\/li><\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_to_do_in_case_of_car_claim_rejection\"><\/span>What to do in case of car\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/claim-rejection\">claim rejection?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you feel that your claim should not have been rejected, here are some points that you may want to consider:<\/p>\n\n\n\n<p><strong>Go though the policy documents:<\/strong>&nbsp;You must ensure that you provided all correct details at the time of getting the insurance, highlighting the areas where it says you are covered. If your insurer demands additional information, you should note that down.<a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=google&amp;utm_medium=organic&amp;utm_campaign=blog_banner&amp;utm_content=http%3A%2F%2Fbit.ly%2F2kuc159\"><\/a><\/p>\n\n\n\n<a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=google&amp;utm_medium=organic&amp;utm_campaign=blog_banner&amp;utm_content=http%3A%2F%2Fbit.ly%2F2kuc159\"><img decoding=\"async\" src=\"https:\/\/www.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Get Resolutions for Insurance Complaints\" class=\"__web-inspector-hide-shortcut__\"><\/a>\n\n\n\n<p>At\u00a0<strong>InsuranceSamadhan.com \u2013\u00a0<\/strong>we are a tech enabled Insurance complaints redressal forum who help aggrieved insurance customers to get their dues. We have helped resolve over 12,600 cases in the past.<\/p>\n\n\n\n<p>To reach us at InsuranceSamadhan.com \u2013<\/p>\n\n\n\n<p>Call us at \u2013 844 844 0626<\/p>\n\n\n\n<p>Mail us at \u2013&nbsp;<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n\n\n\n<p>Register your insurance complaint&nbsp;<a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=google&amp;utm_medium=organic&amp;utm_campaign=blog\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The idea of taking a car insurance policy is to ensure that if the car unfortunately meets with an accident, we can claim some money to get it back into the shape or at least minimize the losses. However, many&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/reasons-why-car-insurance-claim-get-rejected\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-10","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>10 Common Reasons Why Car Insurance Claims Gets Rejected<\/title>\n<meta name=\"description\" content=\"Car Insurance Claim Rejection Reasons: Listed below are the 10 most common reasons why your car insurance claim can be rejected or denied by insurance companies.\" \/>\n<meta name=\"robots\" content=\"index, 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