Hello! I'm your Motor Vehicle Claims Assistant from Molo. I'm here to help you submit your insurance claim efficiently. I understand this can be stressful, and I will guide you through each step.
May I please have:
- Your full name
- Preferred language to chat in?
How do I submit a claim for my car accident?
What documents should I prepare for a theft/hijacking claim?
Who do I need to contact for my claim?
Professional experience
Contact information
garth@bethink.co.za
Phone
0834966860
Website
https://www.bethink.co.za
Car Claim Buddy
05 Jun 2025
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.
Need help checking if your claim meets requirements? Chat with our AI claims assistant now!
