How To Prevent Rejection Of Liberty Car Insurance?

Why is a car insurance claim denied when all required papers are presented correctly? One of the most common reasons insurers deny claims is the driver assigned to the car. We get a copy of the driver's license when we employ a driver for the car. But how many of us get it examined to determine whether the support is genuine or a forgery? Even the most acceptable plans will reject the claim if the license is forged.

How to Prevent Rejection of Liberty Car Insurance

The majority of claims received by Liberty Car Insurance are early death claims, in which the policyholder died within two years of purchasing the coverage.

There are certain reasons for Liberty Car Insurance Claim Rejection

The following are some common scenarios/reasons for an insurer's denial of a claim-

• When the car was utilized for an unlawful purpose.

• A mismatch between the information on the claim form and the papers provided.

• The occurrence of an accident resulted from reckless driving/negligence on the part of the motorist.

• When the car was driven without a valid driver's license and the car's registration.

• The policyholder's failure to notify the insurer of the accident/mishap.

• Repairing an insured car without authorization and failing to get the car properly inspected by the insurer.

• When an accident involving an insured car happens due to the driver's error while under the influence of intoxicants.

How Can You Know Whether Your Driver's License Is Still Valid?

Finally, you may get your driver's license verified with the RTO. It is a simple procedure. All you have to do is file a request under the Right to Information Act. Suppose you employ your driver without first verifying the authenticity of his license. You may wind up with rejected insurance coverage or a claim in that scenario, even if you have a current policy.

Verdict

When hiring a driver, be sure that you don't have to pay the claim amount out of your own money despite having sufficient insurance coverage.

The National Commission reviewed many Supreme Court judgments on phoney/forged driving permits. It was noted that the court ruled that no claim would be payable if the license were discovered to be bogus or even if it was renewed with the relevant authorities. 

You may also like to read: How Many Car Insurance Claims Can be Filed in a Year?

What Are The Circumstances Under Which Your Liberty Car Insurance Can Be Rejected?

Here are the following circumstances under which your Liberty Car Insurance can be rejected-

• Drunk Driving

If the motorist is proven to be intoxicated at the time of the accident, the insurance company has the authority to reject the claim immediately. Your lawsuit may be dismissed on this basis, and no court will hear you.

• Usage

Personal cars are not permitted to be utilized for business reasons. If you do that and your car is involved in an accident, you will be in big trouble. In any event, the insurance company will not entertain your claims. The car should never be utilized for any illegal purpose. Never give your car, bike, or any other car to anybody without first determining the reason.

The points raised above are the only ones for which there is no second chance. The insurance service provider may reject your auto insurance or bike insurance in a matter of minutes—no judicial system, whether a Consumer Forum or a Civil Court, will hear your complaint. As a result, it is preferable to pay close attention to these elements while avoiding concerns.

Take Away

A car insurance claim is a policyholder's entitlement to be reimbursed for costs spent as a result of an unfortunate incident affecting his or her covered vehicle. Following the occurrence of a road accident or any other incident involving his/her covered vehicle in which a financial responsibility rests on him/her, policyholders may submit a claim with the car insurance of his/her car. Making a loss claim with Liberty Car Insurance is a simple and quick procedure. You may make a cashless claim at any of the more than 4,300 Liberty-authorized garages in India.

You may also like to read: No Claim Bonus in Car Insurance: Know More? 

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.