Bharti AXA CAR Insurance 5 Reasons Why Car Insurance Claim Gets Rejected 2 May 2018 5 Reasons Why Car Insurance Claim Get Rejected As lucrative as the overall concept of buying the proper car insurance online plan may sound to you, it could turn out really hassle-filled if the particular car insurance decides to reject your car insurance claim. Due to lack of proper knowledge and understanding of the way motor car insurance scenario works, there are several cases of car insurance rejections by the insurance companies each year. There are several factors that come into play in order to have your insurance claim accepted by the insurance company. Just buying & possessing a reliable four-wheeler insurance doesn’t imply that you are adequately covered. In cases of car accidents or any mishap, there could be instances wherein the car insurance company might feel like rejecting your claim right away. For your ease, we have compiled a list of the top reasons why your car insurance claim may get rejected: Filing a Fraudulent or Invalid Insurance Claim: When you are making a car insurance claim, you must make sure that you are including all important details with respect to the car accident or the specific event. You must not go forward with exaggerating the loss or damage caused to your vehicle. This is because the car insurance company would send across their supervisor to inspect the overall situation –including your car’s condition. If you are found claiming fraudulent or invalid statements with respect to the damage caused, you could end up with legal consequences of the same. In addition to the legal consequences, you might also end up paying some extra costs towards getting the fraud investigated. Breaching Insurance Policy Conditions: When you are buying the motor car insurance for your vehicle, it is vital to give topmost attention to the specific “terms & conditions” section of the same. Most of the insurance policies or companies tell you about their respective offerings in a detailed manner. As such, it is recommended to pay utmost attention to the same. In case you have bought the insurance for your personal or commercial use like taxi services, then the insurance claims would be rejected right away. Therefore, you should never aim at breaching any part of the entire insurance policy conditions. Not Telling About Modifications: You should never try hiding anything from the car insurance company with respect to the modifications or changes done to your car. If you have recently brought about any major changes to your car like engine change, upgrades, accessories addition, or anything as such, it should be your responsibility to inform the particular insurance company at the same time. Failing to do so, may result in rejection of the insurance claim when you need it. Not Informing About the Accident on Time: The insurance experts always suggest to inform the car insurance company or agent about the car accident as and when it happens. If you procrastinate and do not notify the company about the incident’s information on time, your insurance claim might be rejected by the insurance company. On a general note, the usual insurance companies wait for around 48 hours after the accident to be reported about the same. Not Paying Insurance Premiums on Time: Paying your car insurance premiums on time should be your moral duty. If you fail to do so, there are higher chances of the insurance policy getting lapsed too soon. When you have a lapsed car insurance policy, your insurance claim will be rejected by the insurance company. Make sure that you follow these tips in order to get your car insurance claim accepted! Explore Our Products Car Two Wheeler Travel Health Bharti AXA Advantages We've raised the bar in being your Car's ideal insurance companion 3.5 MILLION ISSUES CLEARED 4500+ CASHLESS GARAGES IN INDIA 79 BRANCHES ACROSS INDIA 24/7 CLAIM ASSISTANCE Get Quote Request Call Back Category * - Select -CarTwo WheelerHealthTravelPersonal Accident Buy Renew Claim submit Disclaimer : The information published on this website is for the public's reference only. Content of this information is to provide an overview of your Travel needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice. Bharti AXA General Insurance Company Limited makes no representations about the suitability, reliability, timeliness, and accuracy of the information, travel, services, or any other items mentioned on this subject for any purpose whatsoever.