The major reason for buying an insurance plan is to avail the much-needed coverage by registering a claim. However, an insurance company may reject the claim if they find out something that goes against their policy. Similarly, two-wheeler insurance could also get rejected if you make some mistakes at the time of filing a claim.
Let's have a look at the reasons why an insurer may reject your bike insurance claim:
- Making False Claims: It is very important to keep in mind that filing a false claim with your insurance provider could result in the blunt rejection of your claim.
Thus, if you are filing a claim, you must assure that the claim is reasonable and valid. And if you file a claim thinking that the insurance company will not find out, the insurer might run a background check. And following that, if it is disclosed that it was a fake claim, the company will reject it.
- Unlawful Acts: If you file an insurance claim due to the loss or damage suffered owing to any sort of unlawful act, be rest assured that your bike insurance claim will be rejected under this circumstance too.
In addition to that, keep in mind that if the rider is found at fault of driving under intoxication, riding without valid license etc. and so on, the insurance company will reject the claim immediately.
- Misleading Statements or Facts: It can be considered as one of the most common reasons behind the rejection of a motor insurance claim. You must note here that it is completely your responsibility to keep your bike insurer up-to-date regarding the vehicle insured.
And if you try to misinform them with any fake documents or statements, you will be in the rejection of your bike insurance claim. So the bottom line is, if your motorbike insurance provider is not rightly informed about the claim, they may reject it right away.
- Claiming for Something that Is Not Covered: In many cases, it has been found that the owners of two-wheelers file claims for something that is not covered under their plan.
Hence, make sure that you have known about the coverage that your insurer is liable to compensate for, before registering a claim. You can have a thorough read of your two-wheeler insurance policy documents.
Apart from the above-mentioned reasons, registering a claim against a faulty vehicle and claiming while the accident occurred by someone riding the bike without a valid license, etc could be among some of the widespread justifications offered by motor insurers against rejecting an insurance claim.
So, whenever you are registering a claim with your insurer, make sure that you keep the discussed topics in mind.