How to Prevent Reliance Car Insurance Claim Rejection?

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No one would ever want to get their car insurance claims rejected. However, sometimes, we tend to miss out on certain policy conditions and end up losing our insurance claim. If you have purchased a Reliance motor insurance policy for your car and do not want your claim to get rejected, check out the ways that you can adopt to prevent claim rejection by the insurance company.

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      How to Prevent Rejection of Reliance Car Insurance Claim?

      Getting your claim rejected by the insurer is not only upsetting but can also result in heavy expenses from your pocket in case of damage repairs. Here are some ways that can help you to prevent Reliance car insurance claim rejection:

      Notify Your Insurer Within the Stipulated Time

      One of the biggest mistakes that a policyholder makes is not notifying the Reliance General Insurance Company about the incident within the stipulated time. You should intimate the insurer within 48 hours of the occurrence of the accident. If you delay it further, your claim may get rejected by the insurance company.

      Moreover, you must avoid driving after an accident as it may lead to further damages to your car, giving your insurance company another reason to reject your insurance claim.

      Declare Car Modifications

      When you buy a car insurance policy, your insurer inspects your car and then decides the premium of the policy. However, if you plan to modify your car during the policy tenure, you need to inform about the same to your insurer before such modifications. This is because certain modifications can impact the cost of your insurance policy. For example, getting nitrous oxide fitted in your car can increase its speed, thus, leading to increased chances of an accident.

      Therefore, you must inform Reliance General Insurance Company about such modifications so that they can be included in your existing policy for an additional premium. In case, you forget or do not declare the modifications intentionally, your claim can be rejected by the insurance company.

      Avoid Exaggerated Claims

      Making fraudulent claims is not only illegal but can also result in insurance claim rejection. Avoid making exaggerated claims, invalid statements, or providing irrelevant information at the time of the claim registration. If you do so, you may end up facing legal consequences, insurance claim rejection and paying an extra amount for fraud investigation. Thus, to prevent Reliance General car insurance claim rejection, avoid making fraudulent claims.

      Renew Your Policy on Time

      If your Reliance four-wheeler policy has expired and you still claim for an accident without renewing it, the insurance company will reject your claim on the grounds of an inactive policy. This is because it is mandatory to have a valid insurance policy for your car at the time of the claim application.

      Moreover, if you are caught with an expired/ lapsed policy by the traffic police, you may have to pay heavy traffic fine. Therefore, to avoid claim rejection, make sure to renew your insurance policy before the expiry date.

      Carry a Valid Driving License

      An invalid driving license cannot only result in insurance claim rejection but also in a traffic fine if caught by the traffic police. If you are driving with an invalid driving license and your car sustains damages due to an unfortunate event, such as a road accident, your insurance company will reject your claim due to an invalid driving license. Thus, make sure to carry a valid driving license while driving your vehicle.

      Do Not Breach the Policy Terms

      When you buy or renew a Reliance motor insurance policy for your car, you have to inform your insurer about the use and purpose of your car. If you have insured the car for personal use and at the time of claim inspection, it is found that you were using it for commercial purposes, then the insurer will reject your claim on the grounds of a breach in policy conditions. This is because any breach in the policy’s terms and conditions can result in the rejection of an insurance claim.

      Avoid Drunk Driving

      If you had consumed alcohol before driving and your car meets with an accident, then the Reliance General Insurance Company will reject the claim raised to cover the damages incurred by your car. Moreover, drunk driving is illegal under the motor laws of India. You may have to pay a fine of Rs 10,000 if caught driving under the influence of alcohol or any other intoxicants. Thus, make sure to not drink and drive.

      Transfer Ownership

      When you purchase a used car and do not transfer car insurance to your name, you won’t be able to raise a claim. The owner of the car and the insurance policy should be the same person. If you register a claim while the policy is still in the name of the former owner, then your insurance company will reject your claim.

      Therefore, make sure to legally transfer the car insurance and registration certificate of the second-hand car to your name as soon as you purchase it.

      Final Thoughts

      Claiming your Reliance car insurance may seem to be a difficult process. But if you follow the above-mentioned tips, you can prevent your claim from being rejected. Moreover, before buying four-wheeler insurance, make sure to read all the terms and conditions of the policy properly. Also, avoid carrying out any illegal activity involving your car if you do not want your insurer to reject your claims.

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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

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