Most common Reasons Why Car Insurance Claims Get Rejected
We all have motor insurance policies, but the idea of filing a car insurance claim can seem daunting and really mundane to many people. Indeed it is a bit tricky and very likely that something or the other may go wrong. It is hence important that while you should be filing your insurance claim as soon as possible, you also do not rush and make mistakes with your car insurance claim process. Insurance providers like HDFC ERGO have a simple and hassle free claim filing process online wherein all you need to do is to log on to the company’s website, fill up the claim form with your policy number and details and submit.
However, you need to remember that even a single mistake in your claim filing process may lead it to get entirely rejected. So, in order to file a compelling insurance claim, you need to steer clear from the following reasons of claim rejection:
Running away from the accident scene
Most of us get panicked in the event of an accident and make the mistake of running away. Ideally you should not move your and other party’s vehicle from the accident scene. Incase you need to avoid the public aggression please rush to the nearest police station and report on the accident.
Having a panic attack or getting stressed
It is very natural to panic or get stressed under these circumstances and end up acting in an angry or aggressive manner. On the contrary, do not be too submissive and accept the blame and legal liability of the situation. Do neither.
Not calling the police
In many situations the other party will try to arrive at a mutual settlement with you without the involvement of police. While this may seem like a good idea, you should refrain from such acts. Not only is it illegal but an FIR is the most important document when you need to file a claim. So, refrain from not calling the police.
Driving under the influence of alcohol
Who does not know the repercussions of drunk driving? It is important to make sure that you do not drive your car under the influence of alcohol or any drug. Drunk or illegal driving, malicious practices or not adhering to traffic rules are common causes or claim rejection. These actions may cost you your right to fight a claim in case you need to file for a third party insurance.
Skipping post accidental formalities
Skipping post accidental formalities or any time limits within which the claims have to be filed can get your claim to be rejected. So, make sure you have gathered all the needed documents and filed a convincing claim as correctly and promptly as you can.
Having a wrong insurance policy
Choosing an insurance policy before checking the company’s car insurance claim settlement ratio may also be a reason for undue rejection of claims. This is the reason it is advised to choose your policy wisely and not just fall into the trap of lower premiums. HDFC Ergo is proud of their highest claim settlement ratios and quick settlement process.
As you can see, filing a vehicle insuranceclaim can be a tedious process, but if you take a little care and do thorough follow-ups, filing a claim can prove to be of a lot of help.
Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before going ahead with the sales.