1. Procrastination of claim filing
2. First Information Report (FIR) hasn’t been filed
First Information Report (FIR) has to be present for claiming Insurance in case of theft or third party losses. FIR acts as an official description of the accident and is a must. It proves as a witness to the claims team of the insurance company and assists them in discovering the faulty party.
3. Lacking proof of the incident
Claims get rejected if there is vague information of the incident. There has to be photos of the damaged parts at least. Inaccurate information on anything would result in claim rejection. If investigated information doesn’t match with what the claimant has given or is unclear, claims get rejected.
4. Getting the vehicle repaired without intimating them
When they receive a claim, the claims team investigates the area. The claim assessor inspects the extent of damage caused to the insured car and proceeds to either get the damaged vehicle repaired at one of the company’s garages (cashless claim) or get the damaged vehicle repaired at any garage and send the bill to the insured company (reimbursement claim). This claim would be considered void if you get the vehicle repaired before assessment.
5. No license with you during the accident
Accidents, major or minor, cause injury and damage to those who are insured as well as third parties. The individuals who drive the involved vehicles (and collided with each other) would be interrogated. So it is important to carry your driving license or may be fined.
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