This article also holds true for Car insurance claim rejections as well. We are putting in some of the points that you can never ignore. If you did, you will loose out on the claim money, even if your insurance policy is still valid.
- Driving License : The driver of the vehicle, can be you, your friend or your hired driver. But his/her driving license needs to be valid, and for that category of vehicle. i.e. if the license is for Bikes, and the accident is of a car, Insurance companies can reject your claim.
- Drunk Driving : If it is established that the driver was driving under the influence of alcohol, then Insurance company will reject it. Usually it is described in the police report which is filed after the incident.
- Dangerous Actions : your normal insurance will not be valid if you are participating in demolition derby 😉 or rally racing. Get a clarity from your insurance company about the specific insurance requirements if you plan to participate in such events.
- Usage of vehicle other than defined with the insurers. – If its a private vehicle and it was being used for commercial purposes, then the insurance provider has all the right to reject your claim. So if you intend to use it for commercial purposes, then you need to declare it as such. (even if your insurance agent gives you a ‘friendly’ advise not to).
Underlying assumption in this is that your policy is valid for the vehicle stated, and should have all the add on carefully selected. If you need any help on this, please feel free to browse our other pages and write to us for any clarifications. Our experts would be happy to help you.