6 Causes of rejected car insurance claims
Insurance is indeed an
option to help ease the burden when an accident occurs. But unfortunately, not
everyone understands the important things related to the process of submitting
an insurance claim so that it can be the cause of a car insurance claim being
rejected.
Every
insurance policy owner must understand the conditions that ensure that their
claim is approved or not. And generally, all of these conditions have been
listed in the insurance policy so patience is needed to really understand what
things are guaranteed in the policy.Related
Because
the language used in this insurance policy is quite standard and uses legal
language, most people feel reluctant to learn it when given a clause the first
time the agreement is given.
This
is often not understood by the policy owner so that when submitting a claim, it
will be rejected by the insurance company because it is considered not in
accordance with the agreement stated in the insurance policy.
So
what are the common things that can be the cause of your car insurance claim
being rejected? Here ombro informs 6 common causes of car insurance claims
being rejected.
1. Past the time limit set
for filing a claim.
The
reason for the first car insurance claim is when the claim submission is made
after passing the predetermined time limit for filing a claim. The insurer
generally provides a period of 3 x 24 hours after the incident for management
in submitting a claim.
If
it has passed the deadline, the insurance claim will be rejected. Therefore,
moving the filing of a claim shortly after the incident can reduce the
possibility of the claim being rejected.
2. Damage that occurs is
not included in the risk of insurance coverage
The
second cause of car insurance claims is that the damage that occurs is not
included in the risk of insurance coverage. This is an important point that
must be considered. for every car insurance owner.
As
a car insurance customer, you must carefully read the insurance policy along
with the risks insured. Understand the explanation of all the guaranteed risks
and things that are not guaranteed.
As
for example, the damage that occurs is the initial damage before the car is
insured. If the car has been damaged before being insured, it can be
ascertained that it cannot be claimed, or if the claim will be rejected.
Ignorance
of the damages that can be covered by insurance can cause car insurance claims
to be rejected.
3. Incomplete claim
documents and files
The
third cause of car insurance claims is incomplete / lacking documents and claim
submission files. Yes, before submitting an insurance claim, you must complete
all the insurance claim submission documents that have been set out in the
insurance policy such as a photocopy of the insurance policy, a photocopy of a
valid driver's license and STNK, as well as a claim submission form that has
been filled out and signed.
In
some circumstances, several other documents may be required such as a
certificate from the police and as well as photos or video recordings of the
incident.
Documents
and files for submitting car insurance claims that are incomplete, not
fulfilled or accidentally forgotten by one document, it is likely that your car
insurance claim will be rejected. Therefore, try to always prepare in advance
the documents needed so that the application process can be faster and claims
can be accepted.
4. Violation of the law
The
fourth cause of the car insurance claim was a violation of the law at the time
of the incident. Yes, events accompanied by violations of the law can be the
cause of insurance claims being rejected.
For
example, at the time of the incident, the policyholder used an expired driver's
license so that it was considered that he did not have a driver's license or
when driving drunk. Unlawful behavior while driving and accidents can generally
be the cause of car insurance being rejected.
5. Intentional and
manipulated damage
The
cause of the car insurance claim in the fifth place is that the damage that
occurred was intentional and manipulated damage. Although it can be said that
there are not many, sometimes there are insurance policy owners who
deliberately damage their vehicles and even manipulate data or events with the
aim of getting reimbursement from the insurance company.
This
damage caused by intentional and manipulated can certainly be the cause of the
car insurance claim being rejected. For example, deliberately crashing his car
into another car or deliberately hitting his car to the ground.
When
the insurer checks and finds any manipulations, or sees irregularities from the
damage caused to your car, it is likely that your car insurance claim will be
rejected
6. The policy is not in the
waiting period or is inactive
The
reason for the sixth car insurance claim is when the insurance policy is in the
waiting period or when the policy is no longer active.
The
waiting period in the insurance policy is a certain period after the policy is
issued. Generally, this waiting period is 1 month long after signing the
clause. Meanwhile, an inactive policy (lapse) can occur due to certain
circumstances.
If
there is damage and the policy is at this time, generally the insurance company
is not willing to pay the insurance claim.
Hopefully
useful, also read other articles.
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