Why insurance claims are rejected?
Avoiding rejecting insurance claim, one has to be care full when dealing with car insurance claims. A car insurance policy in hand is NOT a ticket to walk into your insurer’s office and claim either damages or compensation as the case may be.
The following 10 reasons are some of the responsibilities that they would require you to adhere to before they would pay up your car insurance claim, request a call me back from insurance providers to quote you its free and easy. see reasons for rejecting insurance claim.
Vehicle insurance quote calculator
1. You are in default of your premiums
If you are in default in your premiums or have not paid them on time every month as per agreement, the insurance company could make it an issue and refuse your car insurance claim.
2. The driver is unqualified and car is road unworthy
It is imperative that the driver is qualified to drive. It may sometimes be stated in the insurance policy, that a particular driver and a particular car are part of the policy.
The car would need to be completely roadworthy and if the accident was caused by others or the insured still the insurer would be within their rights to deny any claims.
3. False declarations or with-holding information from the insurer
The insurance application form would ask you many questions and it is their right to ask, and it is your prerogative to answer, but making false statements or refusing to disclose information about you.
4. Caused by reckless driving
If the insurer could prove that you have been driving recklessly and that caused the accident they could deny your claim and if you read your insurance policy well there could be a clause to cover them included somewhere, which you would have failed to read.
5. Security of car deviates from agreement
Most insurers today would require you to take adequate security measures to secure your car this is because of the high incidence of car thefts, carjacking etc, it is within their rights to deny a claim if any such thing happens even though your car has not been involved in an accident.
6. Total loss claim only
There are different car insurance policies and some insurers would pay only if there is a total loss, either in an accident where your car is “beyond economical repair” or stolen.
7. Available data points to your fault
Some insurers could insist on a “telematics device” to be fitted in your car, which would record all conditions and even just prior to an accident. If you are found at fault, they could deny your claim.
8. Driving under the influence will help your insurer in rejecting insurance claim
Being involved in an accident whilst under the influence of alcohol, drugs or even sleep inducing medication could deny a insurance claim by you. This is by far the biggest reasons for rejecting insurance claim.
Dont drive under the influence of alcohol.
9. Non-disclosure of exact purpose of car
It is necessary that you disclose the real purpose of using your insured car and whether it is for personal use, pleasure, racing, or business. If you do not your claim could be denied.
10. Beyond required coverage
You could be in area where you are not entitled to insurance coverage or if you have already made a claim and your insurance policy need to re-negotiated and you failed to do and if another claim is made you could be denied that.
Rejecting insurance claim.
car insurance claim process south africa
how long does it take for insurers to pay out a claim?
How long does it take for insurers to pay out a claim?Does The Process Of a Car Insurance Claim Take Long Period? If you provide your insurance company with the right information, the claim process should be done quickly. Any insurance company that cares about its reputation, will not hesitate to the claim professionally and as quick as they can. It is advisable to provide detailed information involved in the in the incident in order to make the process faster. Does The Process Of a Car Insurance Claim Take Long Period? How long does it take for an insurers to pay out a claim?
Compare cheap car insurance quotes with leading insurance companies in South Africa in 2019.
repair cost more than car value insurance, Why?
How come repair cost more than car value insurance? The Estimate Cost Of Repairs Is Less Than The Actual Check Payment, Why? The cost of repair is usually less than the paycheck because car insurance policyholder must at least pay out of pocket for deduction after this is done the balance will be given a check. What if repair cost more than car value insurance, compare cheap car insurance quotes online, submit your details in the form.
car insurance check instead of repair
Car insurance check instead of repair? Why Should The Auto Lien Holder Be Placed On Insurance Payment Check? This is because an insurance holder has an insurable concern in the repair work done on the car. Many states have made this a requirement. The policyholder must be in touch with the lien before the fund is being given. Can i fix my own car with insurance money? do i have to repair my car after an insurance claim accident?
how do insurance companies pay out claims
How do insurance companies pay out claims? A direction of payment is a means of getting the documented evidence which the insurance company is permitted to pay for the repair works completed, most auto repair shops, ask you to sign a direction of payment. Ask your insurer what is their process of pay out claims, many south African insurance companies pay out claims in different ways.
Does insurance cover rental car for repairs
What is the insurance cover rental car during the time your insured car is in car repair shop? At times the insurance company will supply a rental car if the insured car is unworkable and in a repairing situation.
What Is Towing Cost?
Does insurance cover towing cost. Towing is the covered service delivered by the insurance following an accident in order to clear the car from the location of an incident for either repair or replacement. The amount of money spent by the insurance company in the process is the towing cost. Get correct cover so that you don’t stress when coming to car insurance claims in South Africa.
What if the insured sustains injury during An car accident?
If the insured sustains an injury during an car accident, the insurance company should be informed. The claims person will get in touch with policyholder about the medical care that is covered during the policy. See tips and action you can take after accident, if your involved in a car accident, this can help you. Should i contact my insurers if I am insured? Will they pay for the cost of repairs or total loss of my vehicle? If you dont have insurance cover submit your contact details for cheap quote.