How to Avoid Car Insurance Claim Rejection – 7 Expert Tips
One of the biggest worries for policyholders is car insurance claim rejection. Even small mistakes can lead to your claim being denied. In this article, we share 7 expert tips to avoid car insurance claim rejection in India and ensure a smooth settlement process.
🚨 Common Reasons for Claim Rejection
- Driving without a valid license
- Expired insurance policy
- Drunk driving or negligence
- Using the car for commercial purpose when insured for private use
- Non-disclosure of modifications
- Claiming for exclusions (like normal wear & tear)
✅ 7 Expert Tips to Avoid Claim Rejection
- Always Renew Policy on Time – Never let your insurance lapse.
- Provide Accurate Information – Declare car usage, modifications, and personal details honestly.
- File an FIR if Required – For theft or third-party accidents, FIR is mandatory.
- Don’t Delay Claim Intimation – Inform insurer within 24 hours of accident/damage.
- Keep Documents Handy – RC, DL, Policy copy, and bills should be ready.
- Avoid Unauthorized Repairs – Always get approval before repairing the car.
- Read Policy Exclusions – Know what’s covered and what’s not.
⭐ Pro Tips
- Use cashless garages for smoother approval.
- Take photographs of the accident site and vehicle damage.
- Maintain a record of all communication with the insurer.
🔍 Final Thoughts
Avoiding claim rejection is simple if you follow the right process. By renewing on time, providing correct information, and informing your insurer promptly, you can ensure a hassle-free claim settlement.
