5 Reason Your Car Insurance Rejected
Buying a car is a long term decision and involves the biggest financial commitmentafter purchasing a home.
In addition to the direct insurance third party car insurance, also need to be considered. Third party insurance essentially took away the damage occurred on a third party resulting from your car.
That's because, comprehensive car insurance policy is the ideal choice because it includes all the risks associated with the car.
Comprehensive car insurance policy typically covers accident, collision, theft, damages due to natural disasters and third party liability.
5 Reason Your Car Insurance Rejected
You may feel very safe after car is insured, but there are six common reasons why car insurance claims may be rejected:
1) Fix your own car after the crash and then contact the insurance company to get a claim.
If doing this, chances are your claim denied. Fixing the car itself damaged to make the insurance company is not able to track back the chronology of accident and repairs done.
Always contact your insurance company as soon as the accident happened. Typically, an insurance representative will come to inspect the damage, estimate the level and cost of the damage and help you get the service repair shop to repair the damage.
2) in the case of a used car, don't forget to change the name in the copy of the policy from the old owner to your name.
Insurers acknowledge the name of the current owner and therefore change the name of the owner of the old to the new owners of sorely needed.
If it is reasonably complicated, you could buy a new car insurance immediately after buying a used car.
3) in the event of an accident, the driver is driving a car must have a valid driver's license.
In addition, if proven to be the driver is under the influence of alcohol or drugs thenclaims could be denied.
4) If you admit your car as private vehicles but is used for commercial purposes either for carrying passengers or goods, then condition it could lead to the denial of the claim.
5) insurance companies may require that you make the claim within the time specified (e.g. 48 hours to 72 hours). If it fails to do this, the insurance companies can reject your claim.
More importantly, if a car accident and suffered damage but you continue to drive it, it can cause further damage on cars. For this reason, the insurance company will reject the claims filed.
6) special cases such as cars parked in no parking zones or passenger load exceeded the seating capacity, it could also be the cause of the denial of insurance claims
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