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Car Insurance Claim Rejected? Avoid These 5 Common Mistakes!
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News18•21-09-2026, 14:59
Car Insurance Claim Rejected? Avoid These 5 Common Mistakes!
- •Driving under the influence of alcohol is a legal offense; insurance claims are rejected if the driver is intoxicated during an accident.
- •Claims are denied if the driver does not possess a valid driving license or if the license has expired.
- •Failure to inform the insurance company within the stipulated time after an incident can lead to claim rejection.
- •Using a personal car for commercial purposes, such as a cab or delivery, invalidates the claim as it requires a separate policy.
- •Claims are rejected if the policy has expired or if significant modifications are made to the vehicle without informing the insurance company.
Key Questions Answered
If you file an insurance claim after the fixed period specified in the policy for informing about damages, the insurance company may reject it due to late notification.
Yes, if a personal car meets with an accident while being used for commercial work such as cabs or deliveries, the claim will be rejected because commercial activities require a separate policy.
If you feel your claim has been wrongly rejected, you can first appeal to the insurance company's internal grievance cell and, if unsatisfied, directly lodge a complaint with IRDAI.
