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5 Possible Reasons Your Car Insurance Claims Get Denied

5 Possible Reasons Your Car Insurance Claims Get Denied
Car insurance is one of the requirements for owning a car. As a matter of fact, car owners can’t be able to drive on Singapore’s road without car insurance, provided that it is mandated by the Land Transport Authority under the Third-Party Risks and Compensation of Motor Vehicle’s Act.

Having car insurance allows you to drive at ease, as it makes you covered financially from any car-related damages you might acquire while you’re behind the steering wheel. However, not because you have insured your vehicle to one of the best car insurance companies in Singapore doesn’t mean you are entitled to act recklessly on the road. In case you get involved in a car accident, you can’t guarantee to receive money after you apply for a claim. It is important to know that your car insurance provider will do some investigation with regards to the accident you have got involved in.

Once the investigation is done, your insurer will then decide whether to accept or deny your claim. Yes, there are instances where a claim gets denied, and it might be due to these possible reasons:

1. You lied on your insurance application

Owning a car in Singapore needs a hefty amount of money, and the need to have car insurance just adds to the cost that you have to let out of your pocket. That being said, there are some motorists who choose to lie to their insurer about their accident history, DUI history, annual mileage, and/or other important details, with the purpose of reducing the expenses on their private car insurance. Although doing so can actually work, what most drivers don’t know is the fact that their deceitful act will give them a problem once they file a claim.

2. Your name was not on the policy

Private car insurance follows the vehicle; not the driver. If you are driving a car which is owned by your family member or, perhaps, a friend, chances are your name might not be included in the policy. That being said, you may not be covered should you get involved in a collision.

3. You missed paying your premium

Isn’t it when you miss paying your electricity bill on time, you might not be able to use the electricity once your line gets cut? The same thing goes when you missed your premium payments; your claim might get denied if you fail to do so. That is why if you want your car insurance provider to cover the damages you might incur while you’re driving the vehicle you have insured, it is important to do your part which is to pay your auto insurance premiums on time.

4. You failed to file your claim within the specified time limit

In case you are yet aware, filing a claim for a car accident has a specific time limit. That is why it is advisable to immediately contact your insurer and report the collision as soon as possible.

5. You did not document the scene

In filing a claim for a car accident, it is important to have proofs that you were actually involved in a collision and/or you acquired damages. This means documenting the scene, like taking some photos of any injuries, property damages, traffic signs, skid marks. This also involves calling the police in which an officer will make an accident report; seeking medical attention; recording the name, phone numbers, insurance information of the drivers involved, and writing down the important information of any witnesses (their names, phone numbers, and what they saw). Failing to do so may lead to a claim dispute.
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