How To Keep away from Your Auto Insurance Claims From Getting Denied? * –

Owning a car is a dream come true for most. You want to keep it safe and enjoy a smooth, happy ride with it for a long time. But you cannot avoid unfortunate accidents that come unannounced. Car insurance acts as a strong shield that provides financial support during such times. In difficult times, don't expect your insurance claims to be denied, you may even face a denial for reasons unknown to you. Below are the few ways you can avoid claims rejection:

● Do not drink or drive a car
Driving under the influence of alcohol is a criminal offense. If you are caught drunk driving and have caused an accident, you will not be able to make any claims for your negligent, illegal act. So avoid doing the same to avoid facing a claim rejection and, more importantly, to be a safe, responsible driver.

● Do not violate the policy terms
Suppose you violate the terms of the insurance policy, such as B. asserting claims outside of the defined geographic limits according to coverage or using your car for commercial purposes rather than personal use. In this case, you will be liable for the rejection of claims as they are outside the scope of your policy. Therefore, avoid violating the guidelines to continue enjoying the benefits.

● Timely renewal of the policy
Your application to make a claim may be denied without further investigation if you are making it against an expired policy. So to avoid a rejection of the claim, always make sure that you renew your policy in good time.

● Do not drive without a license
If you are driven without a driver's license during an accident or involvement in an accident, you are equally liable for your fault. In such cases, the insurance policy reserves the right to reject your claim application.

● Do not cause harm through negligence
Any negligence on the part of the car owner that results in damage will not be covered by the insurance and a claim will be refused. So, drive carefully and avoid accidents due to carelessness to avoid claim rejection.

● Make no claims against exclusions
Every insurance policy has a number of inclusions and exclusions in its coverage. If you claim coverage that is not included in your policy, your request will not be granted. These exclusions are clearly defined in the policy document.

● Do not increase consequential damage
Driving an already damaged car that results in further damage or causes more damage to it will not be recognized if a claim is made as it is a consequential damage and you will be held responsible for further deterioration of the car.

● Follow the entitlement process
Every insurance company has its own claims processes. If you fail to follow the procedures and regulations set out by your insurance provider, such as:

● Be honest
Always be honest if you have been involved in a multi-party accident. Only the insured with a true and honest claim would be honored after thorough investigation. To avoid rejection, be honest about your harm and injuries and don't make false claims.

These are some of the ways to avoid having your car insurance claims rejected. Car repairing can be an expensive proposition, and the last thing you want after an unforeseen event or accident is a denial of the claim. To get the best value and financial support from your insurance policies, carefully follow laws and guidelines.

Cholamandalam MS understands your need for a smooth, hassle-free, top-performing insurance policy and therefore offers its Car insurance plan as well as a stress-free and fast complaint process.


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