Reasons claims denied
Simply put, some of the common reasons that car insurance claims are denied includes, but is not restricted to:
- Inadequate disclosure of information on the application, such as:
- full driver history
- correct car details & modifications
- correct car address
- correct housing location
- Misleading disclosure of information on the application, such as
- stating parents are regular drivers, rather than son or daughter.
- withholding information on your driving history
The insurer is unlikely to check the accuracy of the information you provide with your car insurance application, but relies on the application in deciding whether or not to give you insurance. The car insurance application will normally only be checked when you make a claim. If the statements are incorrect (even if this was unintentional), the insurer may be entitled to reject your claim.
- Fail to get all accident details
If you're in an accident, it's very important to get the name, address and licence number of other drivers involved as well as the registration numbers of the vehicles. Having this information will help speed up the claims process, especially if the other driver is at fault.
- Failure to Inform your insurer of any changes concerning your vehicle
If the circumstances surrounding you, other drivers of the vehicle, or the vehicle itself change, make sure you inform the insurance company. If unaware of changes that affect risk, the insurer may refuse to pay a claim. In particular, get approval from your insurer for any modifications you make to the vehicle.
- Because the claim is excluded from coverage. There are specific instances under which damage to your vehicle may not be covered. For example, your vehicle being driven: ·by an unlicensed driver ·by an incapacitated driver affected by drugs or alcohol ·in an unsafe manner Exclusions applying to these specific instances will be dependant on such things as your knowledge of or consent to the events. Specific exclusions could also include pre-accident damage, or damage caused by rust or mechanical failure. Such exclusions will be outlined in the policy so check the policy carefully
- Your premium payments are not up to date. The insurance company may even refuse to pay a claim if you are not up to date. Some insurers will cancel your policy if premiums remain unpaid for a specified time period. Ensure that monthly insurance premiums are paid on time to avoid any delays when it comes to making a claim.
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Posts: 30717
Reply #9855 on : Mon May 18, 2009, 17:18:42
Posts: 30717
Reply #9854 on : Mon May 18, 2009, 17:12:57
Posts: 30717
Reply #9853 on : Mon May 18, 2009, 17:07:25
Posts: 30717
Reply #9852 on : Mon May 18, 2009, 17:02:00