6 Reasons Your Car Insurance Claim May Be Denied
After an accident, the last thing you want to hear is that your auto insurance claim has been denied. By law, all UAE citizens must carry motor insurance that covers at least third-party damages. Driving in densely populated areas, such as Dubai and Abu Dhabi, necessitates even more comprehensive insurance. Read on to learn about some of the most typical errors people face when attempting to make a claim against their automobile insurance, as well as how to avoid them.
1. You Forgot to Pay Your Premium
The simplest way to ensure that your claim is authorized is to make sure you pay it on time. Your insurance claim may be jeopardized if you do not renew and pay your premium. The insurance provider can deny your claim even if you’ve just missed one payment. WATANIA does provide payment options with a zero percent installment rate, even if our premium plan is prepaid for the year in advance.\
2. Hiding Information or Misinforming
It’s never a smart idea to keep key details about an accident hidden. Your auto insurance rate is determined by the make and model of your vehicle, as you may know. When compared to a GCC Spec, an imported or sports car will cost you more in premiums (i.e., a model made specifically for the Gulf region). Visit this link to get a quick comparison of the various plans and their perks based on your vehicle’s make and model.
Consider your insurance company’s connection with you as a partnership. You would be furious if your insurer misled you about your coverage, so please don’t make the mistake of lying to your insurance company about the characteristics of your vehicle in order to save money; it will cost you much more in the long run. Incorrectly reporting your insurer may result in your claim being denied.
3. Claiming Items that Aren’t Covered
This is quite likely the most typical cause for a claim’s denial. Drivers frequently feel that accidents and injuries will not occur to them, therefore they try to save money by not insuring the passenger or driver. However, in the event of an accident in which someone in the automobile is injured, the car owner may file a claim for medical treatment costs. What’s the end result? The claim will be denied since it is not covered by the policy.
It’s critical to comprehend your auto insurance as a whole rather than as a collection of elements. Rather than focusing solely on the premium amount, take the time to learn about your policy’s features, perks, and exclusions. This ensures that you pay for what you desire while also being protected for what you require. To avoid the dreadful and avoidable emotion of claim denial, double-check the policy’s inclusions and limitations while filing a claim.
Read your policy thoroughly and completely. Consider adding amenities to your vehicle that are specific to your lifestyle and vehicle type. Consider whether you drive vast distances on a regular basis, prefer off-roading, or drive infrequently. As a result, you will be able to obtain the specific benefits you desire.
4. Being On The Wrong Side Of Law
Anywhere in the globe, breaking the law has serious consequences, and insurance will not cover your claim if you’re on the wrong side of the law. If you are pulled over for driving under the influence, driving without a license, or driving on a closed or under construction road, for example, you could face substantial penalties or, worse, jail or incarceration. Staying on the right side of the law will not only look good on your records, but it will also affect your insurance claim, so this one is a no-brainer.
5. Exceeding Policy Limits
Every policy has a limit. No matter what you are or are not covered for, every benefit and type of insurance has a limit set though the limits may differ from insurer to insurer. Some features are included in your policy but may be valid only during the term of the policy. If you exceed the limit of your insurance policy, your insurer may not be willing to compensate for the overage amount and can reject your claim.
6. Delayed The Reporting of Damage
If you get into an accident resulting in damage to your vehicle, it must be reported to both the police and your insurance company immediately though some insurance companies in the UAE cover your claims if the damage is reported within a prescribed time frame. If you file a claim past the stated time period, the insurer can reject the claim on grounds that over time the damages to your car may have developed into other complications not been caused by the accident.
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