Two wheeler claim rejected

Know Why Two Wheeler Claims Get Rejected - Edelweiss General Insurance Blogs

22nd January 2021 8min read 639 views
Two-wheelers allow you to move from one place to the next with incredible ease. But you could get involved in an accident while you’re weaving in and out of traffic. If the damage is extensive, you may have to file a claim against your two-wheeler insurance policy. An insurance policy should alleviate your financial burden in case of an accident. But in some instances, insurance claims may get rejected. Here’s a look at some common mistakes you must avoid while filing a two-wheeler claim

1. Misrepresentation of Facts

You must always be completely honest with your insurance provider. When purchasing a policy, you must ensure that you’ve provided all the required details accurately. The same is true when you’re filing a claim. You should make sure that all the facts are 100% true. If the insurance provider finds out that you haven’t been honest, they have every right to reject your claim.

2. Loss Is Not Covered

Many people fail to check the fine print and terms and conditions included in their policy documents. If you’ve filed a claim for damage that is not covered, your insurance provider will not entertain the request. For example, two-wheeler insurance providers will not cover pre-existing damages, damage to internal parts, a decrease in performance efficiency, or any internal part that fails or needs to be replaced. Your two-wheeler policy will cover damages caused by an accident. In case of break down, you would require extended warranty, not insurance. It’s always a good idea to check your policy documents thoroughly as soon as you receive them to prevent hassles later.

3. Claim Raised After the Deadline

Insurance providers expect you to inform them about any accident and file a claim immediately. To ensure that you aren’t too stressed out after an accident, your insurance provider will give you a reasonable amount of time within which you have to raise your claim after an accident. Unless you have a valid reason for the delay, your insurance provider will not entertain any claims that are filed beyond the given time limit. Typically, you should raise a claim request as soon as possible after the accident.

4. Faulty Parts

Your insurance provider will assess the damage after an accident. If they find that your vehicle was poorly maintained or was in a poor operating condition and this led to the accident or facilitated it, it may prejudice your claim settlement. To avoid such a scenario, you must remember to get your two-wheeler serviced regularly. If any parts aren’t working correctly, you must replace them with genuine and authorised parts only.

5. Illegal Actions

Your claim will get rejected if the insurance provider finds out you were involved in illegal activities at the time of the accident. Riding without a license, riding under the influence of alcohol and drugs, or racing are all grounds for claim rejection. You must always remember to treat your two-wheeler with respect and stay on the right side of the law.

Should you need to raise a claim after an accident, you must get your paperwork in order on time and submit it to your insurance provider. This will make the claims process easier not just for you, but for your insurance provider as well.

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