In case of an accident or any damage to the car, a person can claim their insurance to reverse the damage of the car. Claiming for your car insurance can be an easy task, but the chances of it being passed depend on a lot of reasons. If you are being denied for your insurance claim, do not feel fooled at first and take time to look at the possible reasons why the company denied your application. Here are the reasons why your claim may get denied by your insurance company.
In case it is your own fault
If the policyholder meets with an accident due to their own faults, the insurance company can reject your claim. In case the company finds out that you have done something willingly to claim your insurance benefits, your application will be denied according to the policy. Other self-negligence reasons include drinking and driving, unlicensed driving, speeding, and wrong parking. Any fake documents during the verification will also terminate the application instantly. The insurance company has the rights to reject your application for any of the cases mentioned above.
Proof of accident is necessary
If you fail to provide the proof for the accident, the company cannot process your application further. Take the photographs of the damages and injuries that occurred due to the accident to avoid any argument with the company later. The necessary proofs for an accident should include a copy of an FIR containing the information of the injured people and the vehicle in the accident, contact details of the driver, contacts of the eyewitnesses if any, and photographs of the site.
It is important to pay a premium to the insurance company on time. If the policyholder fails to pay the premium before the due date, the company may resist helping them at the time of damage. If the premium is deposited before the due date every time, the insurance company cannot deny the coverage according to their policy terms and conditions.
No medical treatment
To claim the medical insurance in case of an accident, it is necessary to take medical help immediately. Any injuries due to the accident need to be reported to a doctor. Otherwise, the insurance company may refuse to pay for the coverage. People may provide fake injury details which did not occur due to the accident, which is why it is necessary to provide medical bills which prove that you went through treatment immediately after the accident.
In case you are too late
The insurance claim needs to be done soon after the accident. The insurance companies need to be informed as soon as possible about the accident so that they can start their investigation. Many companies have their own deadlines of claiming the insurance. If the policyholder fails to make a claim under the deadline, the company can rightfully reject the claim.