How to Prevent Rejection of Reliance Car Insurance Claim?
Reliance General Insurance is one of India's biggest car insurance providers. The company offers many unique features on its comprehensive, third-party, and standalone own-damage car insurance policies. As per the information on the official website of Reliance General Insurance, customers can get up to an 80% discount on policy purchases and renewals. Moreover, the company provides quick and convenient video claims. As a fact, over 7 million customers consider Reliance General Insurance as their preferred insurer.
Reliance General Insurance is linked to over 8,200 network garages in India to provide seamless car repair services to its policyholders. Also, the company has more than 135 branch offices and over 28,900 intermediaries in the country, further simplifying claim settlement. However, do you know why your Reliance General comprehensive, third-party, or standalone own-damage car insurance policy claim may also get rejected in certain cases?
This article discusses the possible reasons for the rejection of Reliance car insurance claims. It also explains the steps you must take to reduce the chances of claim rejection.
Reasons for Reliance Car Insurance Claim Rejection and Ways to Avoid it
Although it's a fact that Reliance General Insurance has one of the highest claim settlement ratios among Indian insurers, there are instances when claim applications might get rejected. Here are the most common reasons for Reliance General comprehensive, third-party, or standalone own-damage car insurance policy claim rejections and ways to increase the chances of claim approval:
Not Disclosing All Facts About the Claim
The primary purpose of a Reliance General comprehensive, third-party, or standalone own-damage car insurance policy is to provide financial support to the policyholder if his/her car gets into an accident. Car insurance claim approvals are usually based on 'good faith.' Insurers believe that the policyholder filing the claim is telling the truth, so any false or concealed information is considered fraud.
Reliance General Insurance Company can reject the claim if a policyholder intentionally or unintentionally hides any information. Moreover, such misinformation might also prompt the insurer to file a case with a court of law.
Hence, be careful when filing a claim. Check the details needed to file a claim and prepare them before filling in the claim form. Also, inquire about the time by which you should file your claim. Reliance General may reject your application if you file a claim after the permissible time limit.
Failing to Disclose Car Modifications
Modifying their cars is one of the most common things most car owners do. While some change their cars to improve their functionality, others do it to enhance their visual appeal. However, Reliance General may reject your claim when you modify your motor vehicle without informing them.
Remember, when you modify your car, the insurer is supposed to recalculate the car insurance premium amount. But, failing to inform your insurer of any modification may put your vehicle in the 'under-insured' category, prompting your insurer to reject your claim application.
So, whenever you modify your vehicle, inform Reliance General soon after the modification gets done. Also, don't worry if your car insurance premium increases since a little extra premium can protect you from more significant losses.
An Expired Car Insurance Policy
A quick fact check of uninsured car owners reveals that they do not renew their comprehensive, third-party, or standalone own-damage car insurance policies because they simply forget to renew. Car insurance policies can be of two types: one-year and long-term. If you purchase a one-year policy, you have to renew it after a year, failing which the policy will be deemed invalid. And, you cannot claim any compensation for an expired Reliance car insurance policy.
Hence, you must keep track of your Reliance General car insurance policy expiry date and renew it before it expires. Since an accident does not come with a warning, it is wise to stay prepared to handle the financial implications.
Not Following the Traffic Laws
A car insurance policy works in tandem with the prevailing road traffic laws. Despite having the best comprehensive, third-party, or standalone own-damage car insurance policy, policyholders may find their claims rejected if they violate road traffic laws.
For instance, your car insurance claim will not be considered valid if you drive without a valid driving licence, pollution-under-control certificate, or registration certificate. Also, Reliance General will reject your claim application if you drive in an inebriated state or are under the influence of alcohol. Hence, read the traffic laws carefully and follow all traffic rules when driving a car.
Violating Policy Terms
When you purchase a comprehensive, third-party, or standalone own-damage car insurance policy from Reliance General Insurance, it provides you with a policy document. It is best to thoroughly read the document and immediately notify your insurer of any discrepancy. However, if you do not read and understand the policy terms and there is any violation of any policy term, Reliance General may reject your car insurance claim.
For instance, if your policy documents state that you can drive a vehicle only for private purposes, and an accident occurs when you use the vehicle for commercial purposes, your car insurance claim will be rejected. So, it is wise to read the policy terms carefully and refrain from doing anything that violates the policy agreement.
Conclusion
A Reliance General comprehensive, third-party, or standalone own-damage car insurance policy helps you manage your repair bills like a pro. But, your insurer might reject the claim application if you violate policy terms, fail to disclose all facts, do not follow traffic laws, or forget to inform them about car modifications. So, remember the tips mentioned in this article to increase your chances of receiving a Reliance General car insurance claim settlement.
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Add ons for your Car Insurance
Yes, Reliance General Insurance might reject your car insurance claim if you provide false or concealed information since it is considered fraud. Besides dismissing the claim, the company may also file a case against you in a court of law.
Modifying one's car is a common occurrence in India. However, car modification without insurer intimation can be a valid reason for rejecting your Reliance General car insurance claim. So, inform your insurer whenever you modify your car's exterior or interior.
Yes, Reliance General will reject your car insurance claim application if your policy is not in force. So, renew your policy before its expiry to enjoy continuous protection.
Yes, Reliance General will reject your car insurance claim application if you drive in an inebriated state or without a valid driving licence, registration certificate, or PUC certificate.
Yes, Reliance General will reject your car insurance claim application if you violate the policy terms. For instance, if you use a private vehicle for commercial purposes, your claim application might be summarily rejected by the insurer.