{"id":915,"date":"2021-10-11T17:34:26","date_gmt":"2021-10-11T17:34:26","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=915"},"modified":"2022-09-03T17:51:48","modified_gmt":"2022-09-03T12:21:48","slug":"your-car-insurance-claim-got-rejected-know-why","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/your-car-insurance-claim-got-rejected-know-why\/","title":{"rendered":"7 Reasons for Car Insurance Claim Rejection"},"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\/your-car-insurance-claim-got-rejected-know-why\/#Reasons_for_a_Claim_Rejection_in_Car_Insurance\" >Reasons for a Claim Rejection in Car Insurance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/your-car-insurance-claim-got-rejected-know-why\/#Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\" >Click on the below links to read some cases resolved by Insurance Samadhan:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\r\n\r\n\r\n<p style=\"margin: 0cm; margin-bottom: .0001pt; background: white;\"><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">Bidyut Gogoi met with an accident driving his car in Nagaland. It caused a total loss of the vehicle. The insurance company car insurance rejected the claim, saying Gogoi did not have a \u2018smart card driving license\u2019 as mandated by the Nagaland Motor Vehicle Department. Gogoi does have a valid license but in paper form. Insurance Samadhan is helping him fight the case on the grounds that the authority issued no notification to the existing license holders to convert the physical licenses into a digital form.<\/span><\/p>\r\n\r\n\r\n\r\n<p style=\"margin: 0cm; margin-bottom: .0001pt; background: white;\"><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">This is one among many cases when an insurance company may reject your car insurance claim. Gogoi\u2019s case is still unique.<\/span><\/p>\r\n<p style=\"margin: 0cm; margin-bottom: .0001pt; background: white;\"><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">There are instances when an insurer will most certainly reject your claim with no chance of you winning the case against them. We have compiled a few.<\/span><\/p>\r\n<h2><span class=\"ez-toc-section\" id=\"Reasons_for_a_Claim_Rejection_in_Car_Insurance\"><\/span><strong>Reasons for a Claim Rejection in Car Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p style=\"text-indent: -18.0pt; background: white; margin: 0cm 0cm .0001pt 18.0pt;\"><b><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">1.<\/span><\/b><span style=\"white-space: pre-wrap;\"><span style=\"font-size: 7.0pt; font-family: 'Arial','sans-serif'; color: #333333;\"> \u00a0 \u00a0 <\/span><\/span><span style=\"white-space: pre-wrap;\"><b><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">Modified the car without informing the insurer<\/span><\/b><\/span><\/p>\r\n<p style=\"background: white; margin: 12.0pt 0cm 10.0pt 0cm;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">When you modify the car, you need to inform your insurer about such modification. Modifications can be the installation of a CNG kit which is a major modification. If you fail to notify the insurer about the modification, and later an uncertain event arises, then your insurer will reject the claim at the time of investigation on the grounds of non-disclosure.<\/span><\/span><\/p>\r\n<p style=\"text-indent: -18.0pt; background: white; margin: 0cm 0cm .0001pt 18.0pt;\"><span style=\"white-space: pre-wrap;\"><b><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">2.<\/span><\/b><\/span><span style=\"white-space: pre-wrap;\"><span style=\"font-size: 7.0pt; font-family: 'Arial','sans-serif'; color: #333333;\"> \u00a0 \u00a0 <\/span><\/span><span style=\"white-space: pre-wrap;\"><b><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">Driving under the influence of alcohol or drugs<\/span><\/b><\/span><\/p>\r\n<p style=\"background: white; margin: 12.0pt 0cm 10.0pt 0cm;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">It is against the motor laws of India to drive a vehicle under the influence of alcohol or drugs. Motor Insurance companies do not encourage drivers to go against the laws and rejects claim if the driver is in a drunken state.<\/span><\/span><\/p>\r\n<p style=\"text-indent: -18.0pt; background: white; margin: 0cm 0cm .0001pt 18.0pt;\"><span style=\"white-space: pre-wrap;\"><b><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">3.<\/span><\/b><\/span><span style=\"white-space: pre-wrap;\"><span style=\"font-size: 7.0pt; font-family: 'Arial','sans-serif'; color: #333333;\"> \u00a0 \u00a0 <\/span><\/span><span style=\"white-space: pre-wrap;\"><b><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">Driving without a valid driving license<\/span><\/b><\/span><\/p>\r\n<p style=\"background: white; margin: 12.0pt 0cm 10.0pt 0cm;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">The Motor laws of India mandates every person to drive with a valid driving license and prohibit minors to drive a vehicle. Therefore, if a person does not have a valid license or is a minor, then the insurer will reject your insurance claim.<\/span><\/span><\/p>\r\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\r\n<p style=\"text-indent: -18.0pt; background: white; margin: 0cm 0cm .0001pt 18.0pt;\"><span style=\"white-space: pre-wrap;\"><b><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">4.<\/span><\/b><\/span><span style=\"white-space: pre-wrap;\"><span style=\"font-size: 7.0pt; font-family: 'Arial','sans-serif'; color: #333333;\"> \u00a0 \u00a0 <\/span><\/span><span style=\"white-space: pre-wrap;\"><b><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">Consequential Loss<\/span><\/b><\/span><\/p>\r\n<p style=\"background: white; margin: 12.0pt 0cm 10.0pt 0cm;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">Only direct damage to the car is covered by insurance. For example, your car is parked in the garage. It rains and the garage gets flooded. You manage to get into the car and start the engine, which leads to an engine seizure. In this case, any damage to the car due to flooding will be covered, but not the engine damage because it is the result of you starting the car.<\/span><\/span><\/p>\r\n<p style=\"text-indent: -18.0pt; background: white; margin: 0cm 0cm .0001pt 18.0pt;\"><span style=\"white-space: pre-wrap;\"><b><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">5.<\/span><\/b><\/span><span style=\"white-space: pre-wrap;\"><span style=\"font-size: 7.0pt; font-family: 'Arial','sans-serif'; color: #333333;\"> \u00a0 \u00a0 <\/span><\/span><span style=\"white-space: pre-wrap;\"><b><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">Car damage due to negligence<\/span><\/b><\/span><\/p>\r\n<p style=\"background: white; margin: 12.0pt 0cm 10.0pt 0cm;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">It is the duty of the car owner to take good care of the car. It is his responsibility to drive safely. If due to negligence, the car gets damaged, the claim will be rejected by the insurer.<\/span><\/span><\/p>\r\n<p style=\"text-indent: -18.0pt; background: white; margin: 0cm 0cm .0001pt 18.0pt;\"><span style=\"white-space: pre-wrap;\"><b><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">6.<\/span><\/b><\/span><span style=\"white-space: pre-wrap;\"><span style=\"font-size: 7.0pt; font-family: 'Arial','sans-serif'; color: #333333;\"> \u00a0 \u00a0 <\/span><\/span><span style=\"white-space: pre-wrap;\"><b><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">Cause of damage excluded from the policy document<\/span><\/b><\/span><\/p>\r\n<p style=\"background: white; margin: 12.0pt 0cm 10.0pt 0cm;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">If the terms and conditions of the policy document exclude a certain situation, then the claim will be rejected for such an excluded situation.<\/span><\/span><\/p>\r\n<p style=\"text-indent: -18.0pt; background: white; margin: 0cm 0cm .0001pt 18.0pt;\"><span style=\"white-space: pre-wrap;\"><b><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">7.<\/span><\/b><\/span><span style=\"white-space: pre-wrap;\"><span style=\"font-size: 7.0pt; font-family: 'Arial','sans-serif'; color: #333333;\"> \u00a0 \u00a0 <\/span><\/span><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\"><strong>Involved in illegal activity as per the Motor Vehicle Act<\/strong><\/span><\/span><\/p>\r\n<p>As per the Motor Vehicle Act, if the policyholder is involved in illegal activity like driving in a no-entry area, then it will be called a deliberate attempt and the claim will be refused.<\/p>\r\n\r\n\r\n\r\n<p style=\"margin: 0cm; margin-bottom: .0001pt; background: white;\"><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">There can be more instances where your claim may get rejected like using your private car for commercial purposes.<\/span><\/p>\r\n<p style=\"margin: 0cm; margin-bottom: .0001pt; background: white;\">\u00a0<\/p>\r\n<p style=\"margin: 0cm; margin-bottom: .0001pt; background: white;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">It is always better to read your car insurance policy document carefully to avoid claims rejection.\u00a0<\/span><\/span><\/p>\r\n<p style=\"margin: 0cm; margin-bottom: .0001pt; background: white;\"><span style=\"font-family: 'Arial','sans-serif'; color: #333333;\">If you face any insurance-related problems, you can contact Insurance Samadhan. We have helped 14,500+ people in resolving complaints related to insurance. Contact us to get samadhan for your insurance-related issues. We are always available to help you out.<\/span><\/p>\r\n<h3><span class=\"ez-toc-section\" id=\"Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\"><\/span>Click on the below links to read some cases resolved by Insurance Samadhan:<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/5-reasons-why-health-insurance-claims-get-rejected-amid-covid-19\/\">Health Claim Rejection amid Covid-19<\/a><\/p>\r\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/\">Mis-selling in a life insurance policy<\/a><\/p>\r\n<div>\r\n<div class=\"centered-text-area\">\r\n<div class=\"centered-text\">\r\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/top-5-reasons-for-death-claim-rejection\/\">Death Claim Rejection<\/a><\/p>\r\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here<\/strong><\/a>\u00a0to register your complaint with Insurance Samadhan<\/p>\r\n<p>You can also<\/p>\r\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\r\n<p>Call us on +91 9513631312<\/p>\r\n<p>WhatsApp:\u00a0<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">9910998252<\/a><\/p>\r\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\r\n<a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/div>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"<p>Bidyut Gogoi met with an accident driving his car in Nagaland. It caused a total loss of the vehicle. The insurance company car insurance rejected the claim, saying Gogoi did not have a \u2018smart card driving license\u2019 as mandated by&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/your-car-insurance-claim-got-rejected-know-why\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":922,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[12,1],"tags":[10,9,11],"class_list":["post-915","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance","category-uncategorized","tag-car-claim-rejected","tag-car-insurance-claim","tag-car-insurance-claim-rejected"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>7 Reasons for Car Insurance Claim Rejection<\/title>\n<meta name=\"description\" content=\"Rejection of claims in car insurance is very common in the motor insurance industry. The claims are rejected when a policyholder fails to...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insurancesamadhan.com\/blog\/your-car-insurance-claim-got-rejected-know-why\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Your car insurance claim got rejected? Know why\" \/>\n<meta property=\"og:description\" content=\"Bidyut Gogoi met with an accident driving his car in Nagaland. It caused a total loss of the vehicle. The insurance company rejected the claim, saying Gogoi did not have a \u2018smart card driving license\u2019\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.insurancesamadhan.com\/blog\/your-car-insurance-claim-got-rejected-know-why\/\" \/>\n<meta property=\"og:site_name\" content=\"Insurance Samadhan\" \/>\n<meta property=\"article:published_time\" content=\"2021-10-11T17:34:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-09-03T12:21:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/wp-content\/uploads\/2021\/10\/Your-car-insurance-claim-got-rejected-1-scaled.jpg?fit=2560%2C1280&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1280\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Shailesh Kumar\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Your car insurance claim got rejected? Know why\" \/>\n<meta name=\"twitter:description\" content=\"Bidyut Gogoi met with an accident driving his car in Nagaland. It caused a total loss of the vehicle. 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