Common reasons why car insurance claims get rejected

1. Late reporting

• Insurers require prompt notification (usually within 24-48 hours). Delays can lead to rejection.
  ✅ Solution: Report accidents, theft, or damage immediately.

2. No police report (if needed)

• For accidents with injuries or theft/hijacking, a police case number is mandatory.
  ✅ Solution: Always file a police report and submit the case number to your insurer.

3. Driving under the influence

• Claims involving drunk driving are almost always rejected.
  ✅ Solution: Never drive under the influence—your safety and claim depend on it.

4. Unapproved repairs

• Starting repairs before insurer approval can result in rejection.
  ✅ Solution: Wait for your insurer’s instructions before fixing the vehicle.

5. Policy exclusions

• Some policies exclude certain risks (e.g., off-road damage, unauthorised drivers).
  ✅ Solution: Read your policy documents carefully and ask your insurer about unclear terms.

6. Inaccurate or incomplete information

• Providing incorrect details (e.g., misrepresenting the incident) can lead to rejection.
  ✅ Solution: Be honest and thorough when submitting your claim.

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