Insurance companies often find out a way to not give the claim amount. So you should not give them any chance to reject the claims.
Following are some of the points that can become the reason of rejection of your claims:
- Repairing the vehicle without informing the insurer
When your vehicle gets damaged in an accident or due to any other reason, then you should not move your vehicle from the place of the event without the permission of the insurance company surveyor or the police (if the need be).This creates problem for the insurer to assess the actual amount of loss and get a reason to reject the claim
- Losses not covered under the policy
There are certain exclusions in the policy like electrical/mechanical breakdowns, damage/loss due to war, mutiny, nuclear energy causes etc. which are not covered. So if your vehicle gets damaged due to any of such reasons then your claim is liable to get rejected. The car accident lawyers serving in Highland
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However, if you are found drunk driving at the time of the accident then as per the information on the page
, the insurer has all rights to reject your claim. Not only your claim will be rejected but you can also be sued for it. Check out this personal injury lawyer Boston
to see how he managed to handle such cases. People can also find the best lawyers and find law firm for OUI cases
If you do not have a valid driving license at the time of the accident then there is no chance that your claim will get approved. Driving without a license is also a punishable offence.
- Non-disclosure of material facts
An insurance contract is based on the principle of utmost good faith. If you are found lying about the material facts like presence of an anti-theft device or any such things then the insurer is not liable to pay for the claim. He will have all rights to reject the claim.
If found that you have left your keys in the ignition when the vehicle is unattended then if anything happens to the vehicle or it gets stolen then the insurance company will not be liable to pay for the losses. This will be a case of negligence as the insurers assume that you will take all the measures to protect your vehicle.
A personal vehicle cannot be used for commercial purpose. If found that the personal vehicle was used for commercial purpose or any other illegal activity then the claim arising in such a situation will get rejected.
As per the motor vehicle act, the vehicle registration should be valid at all times and should not be allowed to lapse. You cannot file an insurance claim even if your vehicle insurance is valid under such circumstances.
- Insurance cover not in registered owner’s name
It is mandatory to transfer the insurance cover in the name of the new registered owner of the vehicle, within 14 Days of purchase of a used vehicle. Failure to transfer insurance could mean rejection of claims by insurers. Some people insure the vehicle in the name of someone else, who is not actually the main driver to lower premium costs or wrongly claim NCB. In such cases, the insurance companies could possibly reject your claim if these facts come to light.