Vehicle insurance can ease the burden of an accident. Unfortunately not everyone understands the important things related to insurance claims. This is why car insurance claims are denied. Using vehicle insurance can certainly protect your favorite car from accidental damage.
"In general, insurance owners do not want to read when given a clause when the agreement is first made. This causes insurance companies to make claims, "said Laurentius Iwan Pranoto, Communication and Event Manager of Astra Insurance. Some submission of claims that are rejected by the insurance because it does not comply with several agreements at the first time. Therefore, you need to understand some of the causes of claims being rejected and the reasons.
- Deadline. Insurance claims can be delayed or even rejected if the handling of claims exceeds the time specified in the policy. Insurance always provides a certain time limit for handling claims. Through that, claims can be rejected. Car insurance claims must be taken care of immediately because the time limit is short, only 3 x 24 hours.
- Driver's document is incomplete. The document must be complete, starting from the photocopy of the insurance policy, photocopy of SIM and vehicle registration, and of course the claim submission form. A certificate from the police is also needed if there is severe damage. In addition, photos also become one of the evidences when they want to submit a claim to insurance.
- The driver violates the law. Another reason that makes an insurance claim rejected is if the policy holder commits an unlawful act. For example, if he has a comprehensive type of insurance then the car crashes because of reckless driving or breaking traffic, he cannot file a claim. The same thing applies if the policy holder does not have a SIM while driving, parking in any place, and getting drunk.
- The incident area is not included in the contract. The insurance policy may include a clause regarding the area into the agreement. Claims are only served if events occur in certain areas. If someone insures his vehicle in Indonesia and the policy states that the claim can only be submitted if he has an accident in Indonesia, it means that the claim will be refused if he has an accident abroad.
- Do not report additional accessories. Each addition of car accessories must be reported to the insurance company and attach the accessory coverage value, so that if a claim occurs, the accessory can be covered by the insurance company. The addition of NSA (Non Standard Accessories) will be charged the same rate as those imposed on the vehicle and will be multiplied by the NSA value to get the premium value that needs to be added. Premium additions are limited to the remaining unused periods.
- Damage occurs is the initial damage before the car is insured. In this case, the insurance company will indeed return the vehicle as before. Therefore it is necessary to conduct surveys and photos as evidence. Here explains if the car has been damaged before being insured, it is certainly not claimed.
This is because the insurance function can alleviate when there is a risk to him or the insured object. Every policy owner must pay close attention to the conditions that make his claim approved or not. Each definition and explanation in the clause must be understood correctly. It takes time indeed to understand it, because the language used is a legal language that is sometimes difficult for most people to understand. But learning this will mean a lot when you need to make a claim.
