Introduction
No driver wants to face a situation where an insurance claim is rejected after an accident. Often, this issue arises from mistakes during policy purchase, inaccurate information, or misunderstandings of coverage. Understanding the causes and preventive measures is key to saving money and protecting your NCD. In this article, we explain how to avoid insurance claims being rejected effectively.
Common Reasons Claims Are Rejected
Incorrect Vehicle or Owner Information:
- Misstating engine number, model, or owner’s date of birth.
- Always double-check information before renewing or purchasing a policy to reduce the risk of claim rejection.
Coverage Gaps:
- Failing to renew insurance on time.
- Coverage gaps can lead to claims being rejected, and your NCD may be lost.
Accidents from Non-Covered Activities:
- Activities such as carrying commercial passengers without an e-hailing add-on.
- Modifying the vehicle without notifying the insurer may also result in claims being rejected.
Incomplete Claim Documents:
- Failing to submit police reports, invoices, or other supporting evidence.
- Claims are more likely to be rejected if documents are missing.
Tips to Avoid Claim Rejection
- Always verify vehicle and owner information before renewing.
- Renew insurance before expiry to avoid gaps that may cause claims to be rejected.
- Ensure your policy covers the vehicle’s actual use, such as e-hailing or hire-purchase vehicles.
- Keep all supporting documents ready before filing a claim to prevent rejection.
- Use platforms like BJAK to check policies and understand coverage, helping you learn how to avoid insurance claims being rejected.
Conclusion
Understanding the reasons behind rejected insurance claims and taking preventive measures is crucial for drivers. By following these steps and knowing how to avoid insurance claims being rejected, you can protect your finances and maintain your NCD.
Read More:
Hit-and-Run Cases Increasing: Causes & How to Avoid Losses
