9 Causes of Submitting Your Car Insurance Claim Denied
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Indeed, vehicle insurance can be an option. The connection in helping to ease the burden during an accident. When you have it, understanding the insurance claim clause is mandatory. There are several causes that cancel the insurance function, as vehicle protection. Unfortunately, right, if you neglect and can harm yourself.
Cars Affected by Earthquakes and Tsunamis Can Be Insurance Claims, These Terms!
Each policyholder must pay close attention to the conditions that make his claim approved or not. Each definition and explanation in the clause must be correctly understood. It takes time indeed to understand it. No doubt, the term used is legal language. Sometimes it is difficult for most people to understand. But studying this is very meaningful, when you need to make a claim.
"In general, insurance owners do not want to read, when given a clause at the first time the agreement. This causes when making a claim, it can be rejected by the insurance company, "said Laurentius Iwan Pranoto, Communication and Event Manager of Astra Insurance. Some claims are rejected by insurance for many reasons. To be sure, it does not comply with some agreements at the first time. Therefore, you need to understand some of the reasons for claims being rejected and why.
1. Deadline
Insurance claims can be delayed or even rejected. Occurs when the management of claims exceeds the time specified in the policy. Insurance always provides a certain time limit for handling claims. Passing from that, the claim can be rejected. Car insurance claims must be taken care of immediately because the deadline is short, only 3 x 24 hours.
2. Incomplete Driver Documents
Documents must be complete. Starting from photocopies of insurance policies, photocopies of SIM and STNK and of course the claim submission form. A certificate from the police is also needed if serious damage occurs. In addition, photos also become one of the proofs when you want to submit an insurance claim.
3. Drivers Do Violations of Law
Another reason that makes insurance claims rejected, if the policy holder violates the law. For example, if he has comprehensive type of insurance, then his car crashes because of reckless driving or breaking traffic. Then certainly cannot claim. The same is true. If the policy holder does not have a SIM when driving, park in any place and get drunk.
4. Event Areas Not Included in the Contract
The insurance policy might include a clause regarding the area in the agreement. Claims are only served if an event occurs in a certain area. If someone insures his vehicle in Indonesia, for example. Then the policy officer claims that it can only be submitted if he has an accident in Indonesia. This means that the claim is rejected if he has an accident abroad.
5. Not Reporting Additional Accessories
If there are additional car accessories, it must be reported to the insurance company. You are also required to attach the insurance coverage. The goal is that if a claim occurs, the accessory can be protected by an insurance company. For additional NSA (Non Standard Accessories) will be subject to the same rate. Can be applied to vehicles and multiplied by the NSA value, to get the premium value that needs to be added. Premium additions are limited to the rest of the period that has not been undertaken.
6. Damage Occurs Before the Car Is Insured
In general damage, insurance companies will indeed return the vehicle as before. Therefore it is necessary to do a survey and photos as proof. Here explains, if the car has been damaged before being insured, then certainly cannot be claimed.
7. Policy Not in Waiting Period
The waiting period in insurance is a certain period after the policy is issued. The cost of the insured vehicle claim is not guaranteed by the policy. This waiting period is one month after signing the clause.
8. Intentional Damage
Must be understood, if the damage to a car that occurs accidentally by the insured. Suppose the insured accidentally crashes his car into another car. Or he hits the vehicle so it is dented, this cannot be claimed. Or you accidentally hit a flood that could make the car strike. As a result, the water hammer machine. This also does not get a guarantee.
9. Policy is inactive (Lapse)
If the insurance policy is not active, you cannot submit a claim due to several conditions. This inactive condition is also called lapse. The insurance company is not willing to pay insurance claims if the policy is lapse.
