Insurance Claim Denied, You May Not Know 6 About It

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Policyholders are often difficulties when making an insurance claim vehicles because of lack of attention to the points of agreement in the insurance. In fact, some insurance claim that you're proposing instead rejected. In fact, the actual rules on insurance claims is already loaded in the Standard Policy Motor of Indonesia Vehicle Insurance. 6 Know this, then you will avoid the rejection.

Read the Policy and Ask

Policy includes everything about the claim. Therefore, when reading the policy when there are rights and duties that we do not understand, then you should ask directly to the insurance officer. When those rights and obligations are less liking, you can also negotiate with insurers and replace the points that we want to change. (See also: How To Extend Auto Vehicle Insurance Policy)



Modifications not be Excessively

When registering, the insurance company will record the condition of the car or the shape of the car according to the conditions when you register or use the insurance. Well, this is what can sometimes be a problem for you who like car modification. So, if you are happy to modify the car, you are required to report to the insurer any part of the car that carried out the modification. Then, the insurance company will record the vehicle again. Therefore, the condition of the car is borne at the beginning of using insurance. So if your car has been modified it means the car's condition is not in accordance with the initial conditions.

Appropriate use

Condition of the car insured must correspond to the real situation. That is, when you register a car insurance, then the insurance company will also ask about the use of cars that will be insured. So, if the vehicle is written for personal use, the vehicle should not be used as a rental vehicle. Moreover, you are insured vehicles used to go down in racing.

Affected Negligence

When filing an accident claim, the insurance company will identify the cause of the accident that occurred. Typically, when the accident occurred due to violation of traffic rules, for example, driving while intoxicated, speeding down the street, broke traffic signs, or the driver does not have a driver's license, then it certainly will make your insurance claim is rejected. In addition, if the vehicle is damaged due to transport animals or chemicals are also not covered by the insurance.

Used Crime

Vehicle Insurance

Vehicle Type

Protection type

Other causes of insurance claims denied is that the car proved to be an instrument of crime like robbery, mugging, abduction, or fraud. Moreover, the car deliberately omitted the hope of getting compensation claim costs, whether the insurance policy holder or other person under the knowledge of the policyholder. If so is almost certain insurance claims rejected.



Policy Still Valid

The policy will be a part of your life when deciding to become insurance customers. Therefore, record and remember how long the vehicle insurance policy you have is still valid. Because, of course you do not want your insurance claim is denied because automobile insurance policy that you have already not valid time of the incident.


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