Insurance Claims Because Wild Racing Can Be Rejected, This Is The Cause
Embedding insurance on private vehicles seems to have become a necessity nowadays given the increasingly congested road conditions, so the risk of accidents on the road is quite high.
However, it should be noted that insurance claims are not always approved by the company. Sometimes the claim process can be rejected if the damage is proven to be caused by illegal racing.
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Be Careful Claims Rejected Due to Wild Racing
The damage that occurs due to illegal racing is not always due to personal negligence, but also due to the actions of other drivers who participated in the race. However, considering that illegal racing is an act that violates the law, the insurance company makes an exception in this case. It is very likely that the claim will immediately fall.
Apart from illegal racing, it turns out that there are other things that cause insurance claims to be rejected. Here are some examples.
1. Incomplete claim requirements
When you want to make a claim, you must complete all the requirements as written in the insurance policy. If any of these requirements are not met, the claim may be rejected by the company.
We recommend that you take the time to read the terms of the claim in the policy, then you can complete the required documents one by one. Next, don't forget to fill out the claim submission form as a sign that you want to claim the costs that have been paid for vehicle repairs.
Combine all requirements in one folder so that the documents that have been collected are not scattered. Bring this document with you when submitting a claim, so that the claim can be processed immediately by the insurance company.
2. The Insured commits a crime
The insurance company has the right to refuse compensation for damages caused by a crime committed by the insured. For example, if the insured is proven to have violated a traffic light, tried to escape from a robbery, and other criminal acts.
In addition to the insured, the submission of claims made by the heirs can also be rejected by the company. If the heir intentionally kills the insured in order to get insurance money, the claim is automatically rejected.
Claims can only be submitted if the damage is caused by things that fall into the reasonable category, not those made up with the intention of getting a fairly large sum insured.
3. Late payment of premium
Just like health and life insurance, policies are required to make payments smoothly to facilitate the claim process. If the claim payment is proven to be stuck, the claim process submitted by the policy may be rejected.
Moreover, when the policy is declared lapsed , all kinds of compensation costs due to the damage that occurred are no longer the responsibility of the company. Make sure the policy status remains active to get maximum benefits.
If there is a payment problem, it is better to contact the insurance agent who offers the product to you. Ask for advice so that insurance does not lapse, so that you can continue to enjoy the benefits offered at the beginning of the insurance opening.
4. There is manipulation of damage
In order to get compensation costs, there are customers who voluntarily damage their personal vehicles. For example, scratching the car with a sharp object to cause scratches or crashing the car into a wall.
The company may provide compensation costs as long as this damage does not raise suspicion. If the damage is proven to be manipulated by the insured, the insurance claim will be rejected.
This means that the repair costs that have been paid are the personal responsibility, whether it is a large or small amount. So it is not recommended to manipulate the damage to the vehicle. If the claim is rejected, then you are the one who loses.
5. The limit for submitting a claim exceeds the time limit
In addition to the four points above, insurance claims can be rejected if the submission limit has exceeded the specified time limit. The time limit depends on the policies of each company. There are 3x24 hours after the incident, there is also a maximum of one week after the incident.
Make sure you know the maximum time limit for submitting a claim set by the company. If the time limit is short, you can immediately prepare the required documents after the incident, so that the claim is received and the compensation fee is immediately processed.
6. Damage is not listed in the policy provisions
Claim rejection can occur if the damage is not stated in the policy provisions. For example, damage due to natural disasters is excluded from the policy. This means that if the vehicle is damaged by a natural disaster, such as a flood or earthquake, the repair costs are not the responsibility of the company.
Repair costs are absolutely your own responsibility. So, it's useless if you file a claim with the company because the claim is automatically rejected.
The details covered by the company can be read in as much detail as possible on the policy page. If the information is not clear, you should ask an insurance agent or customer service to avoid disappointment in the future.
Understand the Policy Terms as Well As Possible
Submission of insurance claims may be rejected for certain reasons. That's why it's important to understand the provisions contained in the policy so that you don't experience deep disappointment if your claim is rejected at any time.
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