How to avoid car insurance claim rejection? Here are 7 preventive measures

livemint.com:

Car insurance is crucial for car owners, providing financial protection against unexpected accidents. However, the process of claiming can be tricky, and having your claim rejected can be stressful. Many reasons can lead to rejection, but with proper understanding and precautions, you can reduce the risk of facing this situation.

Before delving into preventive measures, it's essential to understand the common reasons behind the rejections. Some of the primary factors include:

Non-disclosure of information: Non-disclosure of appropriate information is similar to withholding a vital piece of the insurance puzzle. Neglecting to share details about your vehicle or past claims history may not only jeopardise your current claim but can also erode the foundation of trust between the policyholder and the insurance provider, potentially resulting in significant financial setbacks in times of need. Transparency remains a cornerstone in the successful navigation of the insurance landscape.

Policy violations: Failure to comply with the stipulated terms, like using your vehicle commercially without adequate coverage, may lead to a claim denial, exposing you to significant financial risks. So it is highly significant to stay informed and compliant.

Invalid driving licence: Driving without a valid licence or during its suspension puts your insurance claim eligibility at risk, potentially resulting in financial ramifications. Ensure compliance for a secure driving experience, especially important in India where traffic rules are strictly enforced.

Unauthorised repairs: Opting for repairs from an unauthorised or unapproved garage might risk your claim approval, a common concern for car owners due to the prevalence of unauthorised repair